McLennan County, Texas: hazard risk
FEMA rates McLennan County's overall risk Relatively Moderate (score 91.2 of 100, higher than 91% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by lightning, tornado, cold wave. Its storm record holds 1,302 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 | Very High | 96.8 | $2.0M |
| Tornado | Relatively High | 98.8 | $29M |
| Cold Wave | Relatively High | 96.3 | $12M |
| Heat Wave | Relatively Moderate | 96.1 | $6.2M |
| Wildfire | Relatively Moderate | 90.0 | $1.2M |
| Hail | Relatively Moderate | 90.0 | $1.5M |
| Riverine Flooding | Relatively Moderate | 88.9 | $29M |
| Ice Storm | Relatively Moderate | 72.0 | $205K |
| Strong Wind | Relatively Moderate | 66.0 | $723K |
| Hurricane | Relatively Low | 81.4 | $1.9M |
| Earthquake | Relatively Low | 64.3 | $492K |
| Winter Weather | Relatively Low | 58.1 | $71K |
| Drought | Relatively Low | 55.7 | $180K |
| Landslide | Very Low | 38.3 | $487 |
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 | 500 | 0 | $8.1M | 33rd of 254 | 372nd of 3,080 |
| Severe thunderstorm wind | 381 | 0 | $9.1M | 34th of 254 | 1239th of 3,080 |
| Floods | 123 | 4 | $2.7M | 53rd of 254 | 1042nd of 3,080 |
| Drought | 95 | 0 | $3.2M | 95th of 254 | 382nd of 3,063 |
| Tornadoes | 68 | 114 | $375M | 54th of 254 | 603rd of 3,080 |
| Heat | 59 | 1 | – | 62nd of 254 | 488th of 3,076 |
| Winter storms | 30 | 7 | $222K | 133rd of 254 | 2539th of 3,077 |
| Lightning | 15 | 1 | $385K | 23rd of 254 | 619th of 3,080 |
| Heavy rain | 10 | 1 | $304K | 21st of 254 | 894th of 3,080 |
| Extreme cold | 8 | 1 | $2.8M | 100th of 254 | 2003rd of 3,076 |
| High wind and dust storms | 8 | 0 | $170K | 104th of 254 | 2614th of 3,080 |
| Wildfires | 3 | 0 | $96K | 136th of 254 | 715th 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 McLennan County record: every hazard by year and month, the deadliest events and FEMA's declarations.