Milam County, Texas: hazard risk
FEMA rates Milam County's overall risk Relatively Low (score 58.1 of 100, higher than 58% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 480 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 | 83.6 | $545K |
| Drought | Relatively Moderate | 86.4 | $839K |
| Tornado | Relatively Moderate | 81.7 | $2.7M |
| Hail | Relatively Moderate | 79.8 | $546K |
| Cold Wave | Relatively Moderate | 75.9 | $1.8M |
| Hurricane | Relatively Low | 77.8 | $897K |
| Wildfire | Relatively Low | 65.6 | $79K |
| Heat Wave | Relatively Low | 65.1 | $464K |
| Riverine Flooding | Relatively Low | 51.7 | $4.4M |
| Winter Weather | Relatively Low | 51.5 | $43K |
| Ice Storm | Relatively Low | 44.7 | $42K |
| Strong Wind | Relatively Low | 37.2 | $237K |
| Landslide | Very Low | 26.1 | $139 |
| Earthquake | Very Low | 23.9 | $25K |
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 | 104 | 1 | $541K | 171st of 254 | 2441st of 3,080 |
| Drought | 90 | 0 | $3.2M | 104th of 254 | 413th of 3,063 |
| Hail | 83 | 0 | $1.3M | 216th of 254 | 2386th of 3,080 |
| Floods | 78 | 1 | $6.2M | 89th of 254 | 1398th of 3,080 |
| Heat | 51 | 0 | – | 74th of 254 | 544th of 3,076 |
| Tornadoes | 25 | 2 | $25M | 176th of 254 | 1907th of 3,080 |
| Winter storms | 20 | 0 | $105K | 170th of 254 | 2692nd of 3,077 |
| Heavy rain | 10 | 0 | $68K | 19th of 254 | 882nd of 3,080 |
| Extreme cold | 8 | 0 | – | 97th of 254 | 1988th of 3,076 |
| High wind and dust storms | 4 | 0 | $31K | 145th of 254 | 2808th of 3,080 |
| Lightning | 3 | 1 | $154K | 84th of 254 | 1621st of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $16K | 65th of 254 | 922nd of 1,849 |
| Wildfires | 2 | 0 | $190K | 170th of 254 | 898th 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 Milam County record: every hazard by year and month, the deadliest events and FEMA's declarations.