Stephens County, Texas: hazard risk
FEMA rates Stephens County's overall risk Very Low (score 9.2 of 100, higher than 9% of rated U.S. counties). Its storm record holds 588 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 | 76.0 | $288K |
| Hail | Relatively Low | 58.9 | $366K |
| Drought | Relatively Low | 48.3 | $130K |
| Tornado | Relatively Low | 34.0 | $646K |
| Cold Wave | Relatively Low | 27.8 | $373K |
| Strong Wind | Relatively Low | 25.7 | $247K |
| Landslide | Very Low | 54.8 | $2K |
| Heat Wave | Very Low | 38.5 | $213K |
| Hurricane | Very Low | 26.9 | $11K |
| Riverine Flooding | Very Low | 18.7 | $2.3M |
| Ice Storm | Very Low | 16.2 | $11K |
| Earthquake | Very Low | 10.8 | $11K |
| Lightning | Very Low | 5.9 | $19K |
| Winter Weather | Very Low | 4.6 | $3K |
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 | 234 | 0 | $2.3M | 87th of 254 | 813th of 3,080 |
| Severe thunderstorm wind | 108 | 0 | $1.9M | 133rd of 254 | 2305th of 3,080 |
| Drought | 94 | 0 | $1.8M | 67th of 254 | 269th of 3,063 |
| Heat | 47 | 0 | – | 73rd of 254 | 536th of 3,076 |
| Floods | 28 | 1 | $293K | 185th of 254 | 2270th of 3,080 |
| Winter storms | 28 | 0 | $366K | 128th of 254 | 2527th of 3,077 |
| Tornadoes | 22 | 0 | $12M | 182nd of 254 | 1980th of 3,080 |
| Wildfires | 12 | 0 | $132M | 27th of 254 | 220th of 2,972 |
| Extreme cold | 9 | 0 | $47K | 59th of 254 | 1760th of 3,076 |
| Heavy rain | 3 | 0 | – | 83rd of 254 | 1585th of 3,080 |
| Lightning | 2 | 0 | $2.8M | 97th of 254 | 1844th of 3,080 |
| High wind and dust storms | 1 | 0 | $4K | 189th of 254 | 2956th 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 Stephens County record: every hazard by year and month, the deadliest events and FEMA's declarations.