Panola County, Texas: hazard risk
FEMA rates Panola County's overall risk Relatively Low (score 55.4 of 100, higher than 55% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by strong wind, ice storm. Its storm record holds 699 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 92.8 | $1.7M |
| Ice Storm | Relatively High | 88.5 | $556K |
| Hail | Relatively Moderate | 86.2 | $907K |
| Tornado | Relatively Moderate | 81.6 | $3.0M |
| Winter Weather | Relatively Moderate | 65.3 | $76K |
| Hurricane | Relatively Low | 78.3 | $1.1M |
| Heat Wave | Relatively Low | 75.3 | $819K |
| Wildfire | Relatively Low | 72.1 | $143K |
| Riverine Flooding | Relatively Low | 44.3 | $3.9M |
| Lightning | Relatively Low | 43.1 | $127K |
| Cold Wave | Relatively Low | 37.1 | $407K |
| Earthquake | Very Low | 50.9 | $203K |
| Landslide | Very Low | 20.5 | $86 |
| Drought | No Rating | 0.0 | $0 |
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 | 270 | 0 | $1.7M | 36th of 254 | 1295th of 3,080 |
| Hail | 171 | 0 | $103K | 96th of 254 | 904th of 3,080 |
| Heat | 86 | 0 | – | 22nd of 254 | 269th of 3,076 |
| Tornadoes | 51 | 1 | $13M | 52nd of 254 | 585th of 3,080 |
| Drought | 44 | 0 | – | 183rd of 254 | 867th of 3,063 |
| Floods | 37 | 0 | $18K | 154th of 254 | 2001st of 3,080 |
| Winter storms | 25 | 0 | – | 125th of 254 | 2517th of 3,077 |
| Extreme cold | 6 | 0 | $135K | 112th of 254 | 2038th of 3,076 |
| Lightning | 3 | 0 | $53K | 70th of 254 | 1468th of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $548K | 57th of 254 | 879th of 1,849 |
| Wildfires | 2 | 0 | $13K | 150th of 254 | 785th of 2,972 |
| Heavy rain | 1 | 0 | – | 133rd of 254 | 2154th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Panola County record: every hazard by year and month, the deadliest events and FEMA's declarations.