Terry County, Texas: hazard risk
FEMA rates Terry County's overall risk Relatively Low (score 52.0 of 100, higher than 52% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by hail, drought. Its storm record holds 582 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 |
|---|---|---|---|
| Hail | Relatively High | 97.0 | $3.0M |
| Drought | Relatively High | 94.8 | $1.8M |
| Cold Wave | Relatively Moderate | 88.4 | $4.4M |
| Winter Weather | Relatively Moderate | 61.8 | $69K |
| Strong Wind | Relatively Moderate | 60.7 | $534K |
| Tornado | Relatively Low | 54.5 | $1.0M |
| Ice Storm | Relatively Low | 30.5 | $24K |
| Lightning | Relatively Low | 24.1 | $60K |
| Wildfire | Very Low | 58.7 | $55K |
| Hurricane | Very Low | 31.3 | $11K |
| Heat Wave | Very Low | 29.6 | $95K |
| Earthquake | Very Low | 16.4 | $14K |
| Riverine Flooding | Very Low | 11.7 | $1.1M |
| Landslide | Very Low | 0.9 | $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. |
|---|---|---|---|---|---|
| Hail | 204 | 0 | $87M | 102nd of 254 | 969th of 3,080 |
| Drought | 101 | 0 | $2.4M | 49th of 254 | 218th of 3,063 |
| Severe thunderstorm wind | 86 | 0 | $2.4M | 139th of 254 | 2324th of 3,080 |
| High wind and dust storms | 65 | 0 | $3.4M | 30th of 254 | 664th of 3,080 |
| Winter storms | 51 | 3 | $421K | 51st of 254 | 2156th of 3,077 |
| Tornadoes | 36 | 0 | $1.2M | 116th of 254 | 1357th of 3,080 |
| Floods | 20 | 0 | $1.2M | 188th of 254 | 2297th of 3,080 |
| Wildfires | 5 | 0 | $590K | 80th of 254 | 456th of 2,972 |
| Extreme cold | 4 | 1 | – | 155th of 254 | 2344th of 3,076 |
| Heavy rain | 4 | 0 | – | 69th of 254 | 1413th of 3,080 |
| Heat | 2 | 0 | – | 176th of 254 | 2316th of 3,076 |
| Lightning | 1 | 0 | $20K | 126th of 254 | 2196th 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 Terry County record: every hazard by year and month, the deadliest events and FEMA's declarations.