Hardin County, Texas: hazard risk
FEMA rates Hardin County's overall risk Relatively Low (score 69.6 of 100, higher than 69% of rated U.S. counties); 2 of its 15 hazards are rated Relatively High or Very High, led by lightning, ice storm. Its storm record holds 332 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 |
|---|---|---|---|
| Lightning | Relatively High | 89.9 | $1.1M |
| Ice Storm | Relatively High | 88.3 | $753K |
| Hurricane | Relatively Moderate | 87.2 | $4.9M |
| Tornado | Relatively Moderate | 85.1 | $5.0M |
| Cold Wave | Relatively Moderate | 72.6 | $2.3M |
| Wildfire | Relatively Low | 82.9 | $535K |
| Heat Wave | Relatively Low | 69.0 | $837K |
| Riverine Flooding | Relatively Low | 66.7 | $11M |
| Winter Weather | Relatively Low | 44.3 | $51K |
| Drought | Relatively Low | 41.5 | $73K |
| Strong Wind | Relatively Low | 37.8 | $368K |
| Coastal Flooding | Very Low | 34.4 | $7K |
| Earthquake | Very Low | 31.2 | $83K |
| Hail | Very Low | 25.5 | $91K |
| Landslide | Very Low | 17.7 | $84 |
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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 117 | 0 | $7.5M | 112th of 254 | 2192nd of 3,080 |
| Hail | 91 | 0 | $1K | 184th of 254 | 2098th of 3,080 |
| Floods | 56 | 0 | $739M | 96th of 254 | 1473rd of 3,080 |
| Tornadoes | 27 | 1 | $7.3M | 145th of 254 | 1662nd of 3,080 |
| Winter storms | 14 | 0 | $1.9M | 182nd of 254 | 2759th of 3,077 |
| Drought | 6 | 0 | – | 245th of 254 | 2131st of 3,063 |
| Wildfires | 5 | 0 | $1.6M | 81st of 254 | 458th of 2,972 |
| Hurricanes and tropical storms | 4 | 0 | $217M | 37th of 254 | 738th of 1,849 |
| Heat | 3 | 0 | – | 156th of 254 | 2052nd of 3,076 |
| High wind and dust storms | 3 | 0 | $12K | 139th of 254 | 2783rd of 3,080 |
| Heavy rain | 2 | 0 | – | 109th of 254 | 1844th of 3,080 |
| Lightning | 2 | 1 | $103K | 96th of 254 | 1839th of 3,080 |
| Extreme cold | 1 | 0 | $68K | 214th of 254 | 2756th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hardin County record: every hazard by year and month, the deadliest events and FEMA's declarations.