Henderson County, Texas: hazard risk
FEMA rates Henderson County's overall risk Relatively Moderate (score 84.5 of 100, higher than 84% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by cold wave, tornado, strong wind. Its storm record holds 685 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 97.9 | $14M |
| Tornado | Relatively High | 93.5 | $7.0M |
| Strong Wind | Relatively High | 89.2 | $1.4M |
| Lightning | Relatively High | 83.7 | $607K |
| Ice Storm | Relatively High | 82.2 | $347K |
| Heat Wave | Relatively Moderate | 87.3 | $1.7M |
| Hail | Relatively Moderate | 85.0 | $839K |
| Winter Weather | Relatively Moderate | 67.7 | $84K |
| Wildfire | Relatively Low | 75.5 | $191K |
| Riverine Flooding | Relatively Low | 72.9 | $10M |
| Hurricane | Relatively Low | 66.2 | $287K |
| Drought | Relatively Low | 58.5 | $181K |
| Landslide | Very Low | 54.5 | $1K |
| Earthquake | Very Low | 50.6 | $201K |
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 | 209 | 0 | $656K | 108th of 254 | 1059th of 3,080 |
| Severe thunderstorm wind | 209 | 0 | $16M | 53rd of 254 | 1646th of 3,080 |
| Drought | 62 | 0 | $3.1M | 148th of 254 | 598th of 3,063 |
| Floods | 60 | 1 | $1.9M | 103rd of 254 | 1558th of 3,080 |
| Heat | 54 | 0 | – | 54th of 254 | 455th of 3,076 |
| Tornadoes | 38 | 0 | $16M | 103rd of 254 | 1159th of 3,080 |
| Winter storms | 25 | 0 | $293K | 138th of 254 | 2546th of 3,077 |
| Wildfires | 8 | 0 | $639K | 45th of 254 | 301st of 2,972 |
| Extreme cold | 7 | 2 | $1.3M | 94th of 254 | 1967th of 3,076 |
| Heavy rain | 6 | 1 | – | 45th of 254 | 1136th of 3,080 |
| High wind and dust storms | 3 | 0 | $29K | 135th of 254 | 2778th of 3,080 |
| Lightning | 3 | 0 | $14K | 73rd of 254 | 1529th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | $137K | 84th of 254 | 998th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Henderson County record: every hazard by year and month, the deadliest events and FEMA's declarations.