Lubbock County, Texas: hazard risk
FEMA rates Lubbock County's overall risk Relatively High (score 96.2 of 100, higher than 96% of rated U.S. counties); 8 of its 14 hazards are rated Relatively High or Very High, led by drought, hail, strong wind. Its storm record holds 1,725 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 | Very High | 99.8 | $62M |
| Hail | Very High | 99.8 | $35M |
| Strong Wind | Very High | 99.8 | $17M |
| Winter Weather | Very High | 98.6 | $1.5M |
| Tornado | Relatively High | 98.8 | $32M |
| Cold Wave | Relatively High | 97.0 | $15M |
| Ice Storm | Relatively High | 92.1 | $1.1M |
| Lightning | Relatively High | 83.0 | $804K |
| Riverine Flooding | Relatively Moderate | 92.1 | $47M |
| Heat Wave | Relatively Moderate | 80.6 | $1.5M |
| Wildfire | Relatively Low | 86.2 | $750K |
| Earthquake | Relatively Low | 60.4 | $439K |
| Hurricane | Very Low | 47.2 | $54K |
| Landslide | Very Low | 20.5 | $117 |
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 | 671 | 0 | $966M | 7th of 254 | 33rd of 3,080 |
| Severe thunderstorm wind | 449 | 0 | $541M | 10th of 254 | 519th of 3,080 |
| High wind and dust storms | 177 | 3 | $43M | 2nd of 254 | 169th of 3,080 |
| Tornadoes | 98 | 26 | $2.0B | 12th of 254 | 109th of 3,080 |
| Drought | 97 | 0 | $3.9B | 61st of 254 | 251st of 3,063 |
| Winter storms | 87 | 10 | $33M | 10th of 254 | 1552nd of 3,077 |
| Floods | 81 | 0 | $188M | 39th of 254 | 930th of 3,080 |
| Lightning | 23 | 3 | $3.1M | 8th of 254 | 270th of 3,080 |
| Heavy rain | 19 | 0 | $618K | 5th of 254 | 433rd of 3,080 |
| Wildfires | 9 | 0 | $1.2M | 40th of 254 | 275th of 2,972 |
| Extreme cold | 4 | 1 | $1.7M | 158th of 254 | 2347th of 3,076 |
| Heat | 2 | 0 | $206K | 165th of 254 | 2162nd 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 Lubbock County record: every hazard by year and month, the deadliest events and FEMA's declarations.