Hardeman County, Texas: hazard risk
FEMA rates Hardeman County's overall risk Very Low (score 8.7 of 100, higher than 8% of rated U.S. counties). Its storm record holds 686 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively Moderate | 82.4 | $628K |
| Strong Wind | Relatively Moderate | 67.8 | $530K |
| Ice Storm | Relatively Moderate | 62.7 | $88K |
| Hail | Relatively Low | 62.6 | $244K |
| Tornado | Relatively Low | 35.1 | $395K |
| Wildfire | Very Low | 62.0 | $57K |
| Heat Wave | Very Low | 35.0 | $104K |
| Earthquake | Very Low | 23.3 | $22K |
| Winter Weather | Very Low | 23.2 | $12K |
| Hurricane | Very Low | 22.3 | $4K |
| Landslide | Very Low | 18.1 | $54 |
| Cold Wave | Very Low | 12.5 | $67K |
| Riverine Flooding | Very Low | 4.5 | $381K |
| Lightning | Very Low | 3.8 | $7K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 284 | 0 | $238K | 35th of 254 | 397th of 3,080 |
| Severe thunderstorm wind | 130 | 0 | $1.3M | 76th of 254 | 1945th of 3,080 |
| Drought | 126 | 0 | $1.5M | 14th of 254 | 58th of 3,063 |
| Tornadoes | 42 | 0 | $668K | 94th of 254 | 1091st of 3,080 |
| Winter storms | 38 | 0 | $50K | 55th of 254 | 2188th of 3,077 |
| High wind and dust storms | 30 | 0 | $114K | 46th of 254 | 1201st of 3,080 |
| Heat | 18 | 0 | – | 89th of 254 | 859th of 3,076 |
| Floods | 8 | 0 | – | 240th of 254 | 2778th of 3,080 |
| Extreme cold | 3 | 0 | – | 162nd of 254 | 2363rd of 3,076 |
| Wildfires | 2 | 0 | $2.5M | 137th of 254 | 718th of 2,972 |
| Lightning | 1 | 0 | $3K | 112th of 254 | 2092nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hardeman County record: every hazard by year and month, the deadliest events and FEMA's declarations.