Natural Hazard Loss Profile
Expected annual loss across the 18 natural hazards in FEMA's National Risk Index. Life safety is expressed in fatality-equivalents, combining expected deaths and injuries. Property loss counts building damage only, separate from agriculture.
Natural Hazard Life Safety
339
expected fatality-equivalents per year, natural hazards only
2nd highest of 52
Life Safety per 100k
1.12
natural hazard fatality-equivalents per 100,000 residents
24th highest of 52
Natural Hazard Property Loss
$7.1B
expected building loss per year, natural hazards only
3rd highest of 52
Property Loss per Resident
$235
natural hazard building loss per resident per year
41st highest of 52
These figures cover natural hazards only. Structure fire, EMS, and motor vehicle incidents are not included in the National Risk Index and are not counted here, so this is not an all-cause life safety measure. For Texas, the largest single contributor is Tornado, 39% of the life-safety total.
Texas carries an expected 339 natural hazard fatality-equivalents and $7.1B in building loss per year. Ranks compare all 50 states plus DC and Puerto Rico. Computed from census tract data covering every resident, independent of fire department boundaries.
Add fire mortality, cause, and loss
Natural hazard exposure is one half of the picture. The other half is what your departments run on: fire deaths and injuries, cause of ignition, dollar loss per incident. That comes from NERIS incident reporting, and it grows as departments in Texas enroll. Our Regional tier brings it together across your jurisdiction, with participating departments, alongside response time analytics, cross-department benchmarking, and coverage gap analysis.
Talk to us about Texas See what a department seesWhat Drives the Loss
58%
38%
Property (buildings): $7.1B (57.5%)
Life safety: $4.7B (37.7%)
Agriculture: $595.8M (4.8%)
Total expected annual loss: $12,347,224,467 per year. Life safety is shown here in dollars, at FEMA's $13.7M value of statistical life, so the three shares sum to the total.
Hazards Ranked Two Ways
The hazard that threatens people is often not the hazard that destroys buildings. Both columns cover the same 18 hazards over the same year.
By life-safety loss ($/yr)
Tornado
$1.8B
Cold Wave
$1.0B
Heat Wave
$797.2M
Inland Flooding
$623.9M
Lightning
$120.3M
Strong Wind
$94.0M
By property loss ($/yr)
Inland Flooding
$4.3B
Hurricane
$1.2B
Hail
$756.0M
Tornado
$554.8M
Wildfire
$113.7M
Strong Wind
$87.1M
County Risk Map
Shaded by quintile across counties in this state. Click any county for its full profile.
Fire Service Profile
Career: 15%
Combination: 17%
Volunteer: 67%
Unreported: 1%
Residents per Station
7,791
census population per registered station
Stations per 100k
12.8
registered stations per 100,000 residents
Department composition covers the 1,442 departments registered in NERIS Public for Texas. Departments that have not registered are not counted. The mix is computed over the departments NERIS registers to Texas; departments based elsewhere that respond into it are counted in the total above but not in the mix. Station coverage divides census population by registered stations; department service areas overlap, so their populations are not summed.
County Rankings
Counties in Texas ranked by risk. Click column headers to sort. Click a county to see its departments.
NRI Rating is from FEMA's National Risk Index, which measures community risk across 18 natural hazards using expected annual losses, social vulnerability, and community resilience. Life-Safety Loss uses FEMA's Value of Statistical Life ($13.7M per expected fatality) to estimate annual risk to human life.
Department and station counts are derived from boundaries self-reported through NERIS Public and may not reflect current service areas. A department serving several counties is counted in each, so the Departments column adds up to more than the statewide department total. Risk metrics are computed from census tract data and are not affected by boundary accuracy. See full methodology.
| County ▲ | Population ▲ | Departments ▲ | Life-Safety Loss ▼ | NRI Rating ▲ |
|---|---|---|---|---|
| Harris County | 4.8M | 56 | $622.1M | Relatively High |
| Collin County | 1.2M | 23 | $436.8M | Very High |
| Dallas County | 2.6M | 35 | $433.5M | Relatively Moderate |
| Bexar County | 2.1M | 30 | $215.4M | Relatively High |
| Tarrant County | 2.2M | 42 | $197.2M | Relatively Moderate |
| Denton County | 979,561 | 32 | $158.6M | Relatively Moderate |
| Travis County | 1.3M | 22 | $146.1M | Relatively Moderate |
| Fort Bend County | 893,767 | 26 | $102.7M | Relatively High |
| Montgomery County | 684,432 | 16 | $94.9M | Relatively High |
| Comal County | 183,826 | 8 | $94.2M | Very High |
| Hidalgo County | 891,977 | 23 | $92.9M | Relatively High |
| Galveston County | 358,990 | 20 | $84.4M | Relatively High |
| Guadalupe County | 183,642 | 16 | $81.9M | Relatively High |
| Hays County | 268,638 | 9 | $61.1M | Relatively High |
| Nueces County | 352,955 | 9 | $57.4M | Relatively High |
| Bell County | 386,897 | 20 | $51.5M | Relatively Moderate |
| Jefferson County | 253,878 | 13 | $49.1M | Relatively High |
| Cameron County | 426,120 | 7 | $48.7M | Relatively High |
| McLennan County | 266,067 | 20 | $47.1M | Relatively Moderate |
| Lubbock County | 318,884 | 11 | $46.1M | Relatively Moderate |
| Williamson County | 672,688 | 17 | $44.6M | Relatively Low |
| Brazoria County | 391,255 | 27 | $43.6M | Relatively High |
| Johnson County | 195,597 | 19 | $37.0M | Relatively High |
| Brazos County | 242,311 | 10 | $34.5M | Relatively Moderate |
| El Paso County | 870,779 | 3 | $32.4M | Relatively Low |
| Gregg County | 125,480 | 6 | $29.0M | Relatively High |
| Randall County | 146,070 | 7 | $25.8M | Relatively High |
| Parker County | 165,168 | 17 | $25.4M | Relatively High |
| Lavaca County | 20,552 | 8 | $24.6M | Very High |
| Bastrop County | 106,582 | 10 | $24.4M | Relatively High |
| Caldwell County | 48,669 | 14 | $24.0M | Very High |
| Potter County | 115,975 | 2 | $24.0M | Relatively High |
| Henderson County | 84,862 | 21 | $23.5M | Relatively High |
| Rockwall County | 123,617 | 9 | $23.4M | Relatively Moderate |
| Hunt County | 108,972 | 15 | $22.1M | Relatively High |
| Wilson County | 52,781 | 10 | $21.4M | Relatively High |
| Jim Wells County | 38,850 | 5 | $19.8M | Very High |
| Starr County | 66,067 | 7 | $19.7M | Very High |
| DeWitt County | 20,016 | 7 | $19.6M | Very High |
| Grayson County | 143,337 | 17 | $18.5M | Relatively Moderate |
| Kleberg County | 30,579 | 4 | $18.5M | Very High |
| Smith County | 241,740 | 22 | $18.3M | Relatively Low |
| Webb County | 269,294 | 2 | $17.7M | Relatively Low |
| Gonzales County | 19,851 | 10 | $17.3M | Very High |
| Ellis County | 213,160 | 21 | $16.9M | Relatively Moderate |
| Kaufman County | 172,604 | 19 | $16.5M | Relatively Moderate |
| Hill County | 37,328 | 18 | $15.8M | Relatively High |
| Navarro County | 54,711 | 25 | $15.7M | Very High |
| Orange County | 85,307 | 9 | $15.5M | Relatively High |
| Val Verde County | 47,741 | 5 | $15.2M | Relatively Moderate |
| Liberty County | 103,380 | 25 | $14.7M | Relatively High |
| Coryell County | 84,748 | 11 | $14.4M | Relatively Moderate |
| Victoria County | 91,413 | 9 | $14.4M | Relatively High |
| Lamar County | 50,669 | 24 | $14.2M | Very High |
| Harrison County | 70,155 | 10 | $14.1M | Relatively High |
| Hood County | 65,894 | 13 | $13.5M | Relatively High |
| Erath County | 43,794 | 9 | $13.1M | Relatively High |
| San Patricio County | 70,181 | 10 | $12.7M | Very High |
| Midland County | 174,801 | 5 | $12.3M | Relatively Moderate |
| Hopkins County | 37,784 | 8 | $12.1M | Very High |
| Nacogdoches County | 65,162 | 12 | $12.0M | Relatively High |
| Anderson County | 58,439 | 15 | $12.0M | Relatively High |
| Wichita County | 129,996 | 11 | $11.9M | Relatively Low |
| Taylor County | 145,863 | 10 | $11.7M | Relatively Moderate |
| Walker County | 80,209 | 7 | $11.6M | Relatively High |
| Bowie County | 92,115 | 20 | $11.0M | Relatively Moderate |
| Wharton County | 41,794 | 9 | $10.6M | Very High |
| Willacy County | 20,139 | 4 | $10.5M | Very High |
| Brooks County | 6,943 | 0 | $10.3M | Very High |
| Ector County | 164,654 | 2 | $9.9M | Relatively Moderate |
| Fannin County | 37,326 | 16 | $9.9M | Very High |
| Brown County | 38,347 | 10 | $9.8M | Relatively High |
| Polk County | 52,800 | 17 | $9.7M | Relatively High |
| Cooke County | 43,046 | 16 | $9.7M | Very High |
| Van Zandt County | 62,649 | 15 | $9.5M | Relatively Moderate |
| Angelina County | 87,275 | 11 | $9.4M | Relatively Moderate |
| Upshur County | 42,567 | 10 | $9.3M | Relatively High |
| Hardin County | 57,642 | 12 | $9.0M | Relatively High |
| Kendall County | 48,567 | 10 | $9.0M | Relatively High |
| Uvalde County | 24,881 | 5 | $9.0M | Very High |
| Waller County | 61,552 | 14 | $8.9M | Relatively High |
| Hutchinson County | 20,184 | 4 | $8.5M | Relatively High |
| Kerr County | 53,489 | 9 | $8.4M | Relatively High |
| Washington County | 36,647 | 11 | $8.4M | Very High |
| Maverick County | 58,082 | 1 | $8.1M | Relatively Moderate |
| Chambers County | 51,498 | 8 | $8.1M | Very High |
| Burnet County | 52,652 | 16 | $8.1M | Relatively High |
| Medina County | 53,547 | 9 | $7.8M | Relatively High |
| Houston County | 22,051 | 11 | $7.7M | Relatively High |
| San Jacinto County | 28,441 | 11 | $7.5M | Relatively High |
| Freestone County | 20,049 | 7 | $7.3M | Relatively High |
| Lee County | 17,971 | 7 | $7.3M | Very High |
| Trinity County | 14,046 | 6 | $7.2M | Very High |
| Tom Green County | 119,577 | 8 | $7.2M | Relatively Moderate |
| Gillespie County | 27,524 | 5 | $7.2M | Relatively High |
| Duval County | 9,742 | 3 | $7.1M | Very High |
| Limestone County | 22,283 | 9 | $6.8M | Relatively High |
| Leon County | 16,263 | 10 | $6.7M | Very High |
| Llano County | 22,424 | 10 | $6.7M | Very High |
| Moore County | 21,373 | 2 | $6.6M | Relatively High |
| Grimes County | 31,340 | 9 | $6.4M | Relatively High |
| Bandera County | 22,021 | 11 | $6.3M | Very High |
| Zavala County | 9,412 | 5 | $6.3M | Very High |
| Frio County | 18,582 | 2 | $6.3M | Relatively High |
| Fayette County | 25,042 | 8 | $6.1M | Relatively High |
| Hale County | 32,131 | 4 | $6.1M | Very High |
| Kenedy County | 145 | 2 | $6.0M | Very High |
| Austin County | 31,170 | 10 | $6.0M | Relatively High |
| Jim Hogg County | 4,727 | 1 | $6.0M | Very High |
| Milam County | 25,567 | 9 | $5.9M | Relatively High |
| Rusk County | 52,842 | 18 | $5.8M | Relatively Moderate |
| Cherokee County | 51,886 | 15 | $5.8M | Relatively Moderate |
| Wise County | 75,005 | 17 | $5.7M | Relatively Moderate |
| Terry County | 11,629 | 2 | $5.5M | Very High |
| Gray County | 21,045 | 3 | $5.5M | Relatively High |
| Karnes County | 14,968 | 7 | $5.3M | Very High |
| Wood County | 46,961 | 11 | $5.3M | Relatively High |
| Howard County | 32,290 | 2 | $5.2M | Relatively Moderate |
| Real County | 2,802 | 6 | $5.1M | Very High |
| Palo Pinto County | 29,295 | 11 | $5.1M | Relatively Moderate |
| Atascosa County | 51,008 | 7 | $5.0M | Relatively Moderate |
| Blanco County | 12,446 | 4 | $5.0M | Very High |
| Calhoun County | 19,868 | 8 | $4.9M | Very High |
| Bosque County | 18,687 | 11 | $4.9M | Relatively Moderate |
| Matagorda County | 36,329 | 9 | $4.8M | Very High |
| Colorado County | 21,006 | 8 | $4.8M | Very High |
| Bee County | 31,083 | 7 | $4.7M | Relatively High |
| Montague County | 21,046 | 10 | $4.7M | Relatively High |
| Gaines County | 22,232 | 6 | $4.5M | Very High |
| Jasper County | 32,727 | 11 | $4.5M | Relatively High |
| Dimmit County | 8,380 | 2 | $4.1M | Very High |
| Cass County | 28,568 | 13 | $4.1M | Relatively Moderate |
| Madison County | 13,648 | 12 | $4.0M | Very High |
| Titus County | 31,363 | 7 | $4.0M | Relatively Moderate |
| Shelby County | 24,155 | 10 | $3.9M | Relatively High |
| Lamb County | 12,828 | 7 | $3.9M | Very High |
| Zapata County | 13,841 | 1 | $3.7M | Relatively Moderate |
| Tyler County | 20,238 | 15 | $3.7M | Very High |
| Aransas County | 24,876 | 6 | $3.6M | Relatively High |
| Live Oak County | 11,620 | 3 | $3.5M | Relatively High |
| Panola County | 22,726 | 9 | $3.5M | Relatively High |
| Deaf Smith County | 18,460 | 5 | $3.1M | Relatively High |
| Camp County | 12,798 | 2 | $2.9M | Very High |
| Dawson County | 12,134 | 2 | $2.9M | Relatively High |
| Morris County | 12,076 | 9 | $2.8M | Very High |
| Comanche County | 13,950 | 9 | $2.8M | Relatively High |
| Hockley County | 21,363 | 5 | $2.7M | Relatively High |
| Jackson County | 15,152 | 6 | $2.7M | Very High |
| Eastland County | 18,011 | 11 | $2.7M | Relatively High |
| Somervell County | 9,691 | 3 | $2.6M | Relatively High |
| Falls County | 17,291 | 7 | $2.5M | Relatively Moderate |
| Rains County | 12,775 | 5 | $2.5M | Relatively High |
| Red River County | 11,611 | 16 | $2.5M | Very High |
| La Salle County | 6,839 | 1 | $2.4M | Very High |
| Ochiltree County | 9,786 | 3 | $2.4M | Relatively High |
| Franklin County | 10,632 | 1 | $2.4M | Relatively High |
| Nolan County | 14,454 | 4 | $2.1M | Relatively High |
| Jones County | 20,304 | 8 | $2.1M | Relatively Moderate |
| Robertson County | 17,167 | 6 | $2.1M | Relatively Moderate |
| Yoakum County | 7,571 | 2 | $2.1M | Very High |
| Stephens County | 9,351 | 3 | $2.0M | Relatively Moderate |
| Marion County | 9,737 | 6 | $2.0M | Relatively High |
| Kimble County | 4,389 | 2 | $2.0M | Very High |
| Refugio County | 6,707 | 7 | $2.0M | Very High |
| Parmer County | 9,731 | 6 | $1.9M | Very High |
| Burleson County | 18,857 | 7 | $1.9M | Relatively Moderate |
| Lampasas County | 22,715 | 5 | $1.9M | Relatively Moderate |
| Young County | 18,029 | 4 | $1.8M | Relatively High |
| Scurry County | 16,488 | 2 | $1.8M | Relatively High |
| Clay County | 10,495 | 15 | $1.7M | Relatively High |
| Brewster County | 9,503 | 6 | $1.7M | Very High |
| Wilbarger County | 12,616 | 3 | $1.7M | Relatively High |
| Jack County | 8,882 | 6 | $1.7M | Relatively High |
| Newton County | 12,093 | 9 | $1.6M | Relatively Moderate |
| Swisher County | 6,937 | 4 | $1.6M | Very High |
| Hemphill County | 3,234 | 6 | $1.6M | Very High |
| Dallam County | 7,298 | 2 | $1.5M | Very High |
| Goliad County | 7,141 | 5 | $1.5M | Very High |
| Bailey County | 6,913 | 4 | $1.5M | Very High |
| Castro County | 7,344 | 3 | $1.5M | Very High |
| Hamilton County | 8,406 | 8 | $1.5M | Relatively High |
| San Augustine County | 7,874 | 6 | $1.5M | Relatively High |
| Sabine County | 10,023 | 11 | $1.4M | Relatively High |
| Carson County | 5,801 | 6 | $1.4M | Very High |
| Hartley County | 5,215 | 2 | $1.4M | Very High |
| Hansford County | 5,119 | 3 | $1.4M | Very High |
| Coleman County | 7,833 | 2 | $1.4M | Relatively High |
| Callahan County | 14,241 | 5 | $1.4M | Relatively High |
| Wheeler County | 4,862 | 6 | $1.3M | Very High |
| Reeves County | 12,664 | 2 | $1.3M | Relatively Moderate |
| Delta County | 5,438 | 4 | $1.3M | Relatively High |
| Pecos County | 14,896 | 4 | $1.3M | Relatively Moderate |
| Childress County | 6,743 | 3 | $1.0M | Very High |
| Mitchell County | 9,018 | 3 | $1.0M | Very High |
| Runnels County | 9,874 | 4 | $995.9K | Relatively High |
| Ward County | 11,144 | 5 | $977.3K | Relatively High |
| Andrews County | 18,610 | 2 | $931.9K | Relatively Moderate |
| Floyd County | 5,216 | 2 | $930.1K | Very High |
| Archer County | 8,867 | 7 | $855.8K | Relatively Moderate |
| Lipscomb County | 2,918 | 3 | $812.7K | Very High |
| Lynn County | 5,752 | 7 | $799.0K | Relatively High |
| Donley County | 3,257 | 5 | $789.0K | Relatively High |
| Mason County | 3,955 | 3 | $770.4K | Relatively High |
| Garza County | 5,118 | 1 | $749.0K | Relatively Moderate |
| Crosby County | 5,041 | 5 | $732.8K | Relatively High |
| McCulloch County | 7,514 | 10 | $672.3K | Relatively High |
| Sherman County | 2,295 | 2 | $642.1K | Very High |
| Winkler County | 7,454 | 1 | $616.8K | Relatively Low |
| Collingsworth County | 2,588 | 4 | $602.5K | Very High |
| San Saba County | 5,696 | 5 | $565.9K | Relatively High |
| Haskell County | 5,421 | 4 | $535.4K | Very High |
| Hall County | 2,820 | 3 | $522.8K | Very High |
| Presidio County | 5,930 | 3 | $516.4K | Relatively High |
| Edwards County | 1,290 | 4 | $513.8K | Very High |
| Mills County | 4,511 | 3 | $487.1K | Relatively Moderate |
| Coke County | 3,353 | 4 | $421.0K | Relatively Moderate |
| Martin County | 5,218 | 2 | $395.4K | Very High |
| Hardeman County | 3,501 | 3 | $392.7K | Very High |
| Shackelford County | 3,175 | 6 | $379.9K | Relatively High |
| Fisher County | 3,655 | 2 | $370.0K | Relatively Moderate |
| Baylor County | 3,485 | 2 | $355.2K | Relatively High |
| Armstrong County | 1,822 | 5 | $341.0K | Very High |
| Briscoe County | 1,301 | 2 | $329.1K | Very High |
| Kinney County | 3,157 | 1 | $325.5K | Relatively High |
| Sutton County | 3,277 | 1 | $309.2K | Very High |
| Crane County | 4,610 | 2 | $299.5K | Relatively Moderate |
| Throckmorton County | 1,639 | 1 | $298.3K | Very High |
| Oldham County | 2,249 | 6 | $287.2K | Very High |
| Knox County | 3,307 | 5 | $282.9K | Very High |
| Roberts County | 832 | 4 | $273.9K | Very High |
| Dickens County | 1,747 | 3 | $273.1K | Very High |
| Crockett County | 2,822 | 3 | $260.4K | Very High |
| Menard County | 1,955 | 3 | $250.9K | Very High |
| Upton County | 3,191 | 0 | $237.0K | Relatively Moderate |
| Reagan County | 3,232 | 1 | $231.3K | Very High |
| Concho County | 3,328 | 8 | $212.5K | Very High |
| McMullen County | 700 | 1 | $202.7K | Relatively Low |
| Cochran County | 2,550 | 2 | $201.5K | Very High |
| Schleicher County | 2,381 | 1 | $196.1K | Very High |
| Hudspeth County | 3,403 | 1 | $193.2K | Relatively High |
| Sterling County | 1,468 | 0 | $185.8K | Relatively Moderate |
| Motley County | 1,183 | 1 | $182.5K | Relatively High |
| Irion County | 1,409 | 1 | $167.7K | Relatively High |
| Jeff Davis County | 1,865 | 3 | $153.8K | Relatively High |
| Glasscock County | 1,068 | 1 | $153.7K | Very High |
| Stonewall County | 1,227 | 3 | $142.0K | Very High |
| Culberson County | 2,195 | 2 | $132.8K | Very High |
| Borden County | 713 | 1 | $116.4K | Very High |
| Foard County | 991 | 2 | $109.4K | Very High |
| Cottle County | 1,368 | 2 | $94.2K | Very High |
| Kent County | 734 | 2 | $79.5K | Relatively Moderate |
| Terrell County | 835 | 2 | $79.2K | Relatively Low |
| King County | 211 | 0 | $25.1K | Very Low |
| Loving County | 33 | 0 | $10.5K | Very Low |
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Risk Snapshot
13.8%
Poverty Rate
13.4%
Age 65+
12.3%
Disability Rate
17.1%
Uninsured
33.2%
Pre-1980 Housing
6.4%
Mobile Homes
9.4%
Vacancy Rate
0.2%
Wood Heat
$87,399
Median HH Income
FEMA Disaster Declarations
1606
Last 10 Years
3885
Last 25 Years
Hurricane
Most Frequent
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