Bell County
Texas — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 91th
Bell County faces medium composite natural disaster risk (NRI Risk Index score 91.1, 91th national percentile), driven primarily by hail and tornado exposure. Expected annual loss across all 18 hazard types is $107M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | High | 4.16 / yr | $9M |
| Tornado | High | 0.62 / yr | $32M |
| Lightning | Very High | 49.09 / yr | $3M |
| Winter Weather | High | 3.21 / yr | $829K |
| Cold Wave | High | 0.53 / yr | $12M |
| Heat Wave | Medium | 15.37 / yr | $6M |
| Wildfire | Medium | 0.00 / yr | $1M |
| Riverine Flood | Medium | 3.07 / yr | $38M |
| Hurricane | Low | 0.04 / yr | $2M |
| Strong Wind | Medium | 1.76 / yr | $1M |
| Ice Storm | Medium | 0.82 / yr | $321K |
| Drought | Low | 50.83 / yr | $339K |
| Landslide | Very Low | 0.18 / yr | $774 |
| Earthquake | Very Low | 0.00 / yr | $148K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Bell County?
Bell County has a composite FEMA National Risk Index score of 91.1 out of 100, placing it in the Medium category and the 91th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Bell County?
The three highest-rated hazards are Hail (High, $9M EAL), Tornado (High, $32M EAL), Lightning (Very High, $3M EAL). These account for most of the county's expected annual losses.
How does Bell County compare to other Texas counties?
Bell County ranks #21 of 254 Texas counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Bell County's $107M EAL is a statistical average, not a guarantee for any specific year or address.