Somervell County, Texas: hazard risk
FEMA rates Somervell County's overall risk Very Low (score 10.8 of 100, higher than 10% of rated U.S. counties). Its storm record holds 351 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 |
|---|---|---|---|
| Wildfire | Relatively Low | 81.0 | $677K |
| Drought | Relatively Low | 43.8 | $142K |
| Tornado | Relatively Low | 42.7 | $1.5M |
| Hail | Relatively Low | 37.7 | $249K |
| Cold Wave | Relatively Low | 35.2 | $813K |
| Ice Storm | Relatively Low | 33.1 | $58K |
| Lightning | Relatively Low | 27.3 | $150K |
| Hurricane | Very Low | 42.9 | $58K |
| Heat Wave | Very Low | 28.8 | $189K |
| Riverine Flooding | Very Low | 20.1 | $3.7M |
| Landslide | Very Low | 12.0 | $57 |
| Strong Wind | Very Low | 10.5 | $118K |
| Winter Weather | Very Low | 6.9 | $7K |
| Earthquake | Very Low | 6.6 | $10K |
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. |
|---|---|---|---|---|---|
| Drought | 82 | 0 | $3.0M | 2nd of 254 | 3rd of 3,063 |
| Hail | 72 | 0 | $236K | 12th of 254 | 103rd of 3,080 |
| Severe thunderstorm wind | 66 | 2 | $459K | 16th of 254 | 814th of 3,080 |
| Heat | 54 | 0 | – | 5th of 254 | 37th of 3,076 |
| Winter storms | 28 | 0 | $410K | 4th of 254 | 988th of 3,077 |
| Floods | 20 | 2 | $646K | 27th of 254 | 697th of 3,080 |
| Extreme cold | 8 | 0 | – | 9th of 254 | 595th of 3,076 |
| Heavy rain | 6 | 0 | $26K | 3rd of 254 | 276th of 3,080 |
| Tornadoes | 6 | 0 | $816K | 157th of 254 | 1714th of 3,080 |
| High wind and dust storms | 3 | 0 | $22K | 63rd of 254 | 1996th of 3,080 |
| Lightning | 3 | 0 | $332K | 12th of 254 | 455th of 3,080 |
| Wildfires | 3 | 0 | $3K | 21st of 254 | 180th 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 Somervell County record: every hazard by year and month, the deadliest events and FEMA's declarations.