Llano County, Texas: hazard risk
FEMA rates Llano County's overall risk Relatively Low (score 70.4 of 100, higher than 70% of rated U.S. counties). Its storm record holds 542 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 |
|---|---|---|---|
| Riverine Flooding | Relatively Moderate | 82.5 | $14M |
| Hail | Relatively Moderate | 80.6 | $580K |
| Winter Weather | Relatively Moderate | 73.2 | $98K |
| Lightning | Relatively Moderate | 70.8 | $327K |
| Drought | Relatively Moderate | 67.9 | $294K |
| Tornado | Relatively Moderate | 67.6 | $1.5M |
| Wildfire | Relatively Low | 80.2 | $266K |
| Heat Wave | Relatively Low | 59.4 | $359K |
| Cold Wave | Relatively Low | 54.9 | $724K |
| Strong Wind | Relatively Low | 46.0 | $312K |
| Hurricane | Very Low | 54.0 | $71K |
| Landslide | Very Low | 36.3 | $320 |
| Ice Storm | Very Low | 15.6 | $6K |
| Earthquake | Very Low | 9.7 | $6K |
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 | 223 | 0 | $132K | 117th of 254 | 1105th of 3,080 |
| Floods | 97 | 4 | $98M | 49th of 254 | 1003rd of 3,080 |
| Drought | 89 | 0 | $452M | 86th of 254 | 336th of 3,063 |
| Severe thunderstorm wind | 73 | 0 | $2.9M | 194th of 254 | 2523rd of 3,080 |
| Winter storms | 29 | 0 | $2.9M | 124th of 254 | 2514th of 3,077 |
| Tornadoes | 11 | 0 | $1.5M | 222nd of 254 | 2439th of 3,080 |
| Extreme cold | 8 | 0 | – | 85th of 254 | 1909th of 3,076 |
| Heat | 7 | 0 | – | 129th of 254 | 1665th of 3,076 |
| Wildfires | 4 | 0 | $342K | 112th of 254 | 562nd of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Llano County record: every hazard by year and month, the deadliest events and FEMA's declarations.