STATE RISK ROLL-UP
Texas
Across 254 counties, FEMA rates 16 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.
How the counties rate
Low205
Moderate33
Elevated14
High2
Dominant hazards
The hazards most often rated elevated or higher across Texas's counties:
- Drought — 77 counties
- Tornado — 47 counties
- Lightning — 46 counties
- Strong wind — 44 counties
Highest-risk counties
| County | FEMA composite | Score |
|---|---|---|
| Dallas County | Very high | 100 |
| Harris County | Very high | 100 |
| Bexar County | Relatively high | 99 |
| Collin County | Relatively high | 99 |
| Hidalgo County | Relatively high | 99 |
| Tarrant County | Relatively high | 99 |
State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.
FEMA National Risk Index · as of 2026-07-10