Floyd County, Texas Natural Disaster Risk
FEMA National Risk Index assessment · TX
Very LowComposite Risk Score
National percentile: 31th
Floyd County faces very low composite natural disaster risk (NRI Risk Index score 30.7, 31th national percentile), driven primarily by hail and drought exposure. Expected annual loss across all 18 hazard types is $8M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Floyd County carries a very low composite natural disaster risk, with a National Risk Index score of 30.7 out of 100 — placing it in the 31st national percentile and among the lowest-risk counties in the country. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
The county's risk is driven primarily by hail (ice stones from severe thunderstorms that damage property and crops) at High risk — $3M in expected annual loss and about 5.56 events per year; drought (extended dry periods that stress water supplies and agriculture) at High risk — $2M in expected annual loss and about 102.86 events per year; and wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $174K in expected annual loss and about 0.00 events per year. Across all hazards, FEMA estimates $8M in expected annual loss for a population of 5K.
Beyond physical exposure, Floyd County has a high social vulnerability rating (how susceptible the population is to harm) and a low community resilience rating (its capacity to prepare for and recover from disasters). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
The federal record bears this out: Floyd County has received 16 federal disaster declarations since 1992, including 4 for hurricane events and 3 for severe ice storm events. The most recent was Severe Winter Storms (severe ice storm), declared in February 2021.
Among 254 Texas counties, Floyd County ranks #167 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hail | High | 5.56 / yr | $3M |
| Drought | High | 102.86 / yr | $2M |
| Wildfire | Low | 0.00 / yr | $174K |
| Winter Weather | Low | 7.63 / yr | $64K |
| Strong Wind | Medium | 2.40 / yr | $500K |
| Tornado | Low | 0.77 / yr | $815K |
| Ice Storm | Low | 0.45 / yr | $34K |
| Hurricane | Very Low | 0.01 / yr | $12K |
| Cold Wave | Low | 1.63 / yr | $287K |
| Earthquake | Very Low | 0.00 / yr | $21K |
| Lightning | Very Low | 49.29 / yr | $46K |
| Heat Wave | Very Low | 1.79 / yr | $26K |
| Riverine Flood | Very Low | 0.61 / yr | $1M |
| Landslide | Very Low | 0.11 / yr | $1 |
| 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 |
Disaster History
Floyd County has received 16 federal disaster declarations since 1992, most recently Severe Winter Storms in February 2021. Most frequent causes: Hurricane (4), Severe Ice Storm (3), Severe Storm (3).
| Declared | Type | Disaster |
|---|---|---|
| February 2021 | Severe Ice Storm | Severe Winter Storms |
| February 2021 | Severe Ice Storm | Severe Winter Storm |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| February 2016 | Severe Storm | Severe Winter Storms, Tornadoes, Straight-Line Winds, and Flooding |
| August 2010 | Hurricane | Hurricane Alex |
| March 2008 | Fire | Wildfires |
| January 2006 | Fire | Extreme Wildfire Threat |
| September 2005 | Hurricane | Hurricane Rita |
| September 2005 | Hurricane | Hurricane Rita |
Showing the 10 most recent of 16 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Floyd County?
Floyd County has a composite FEMA National Risk Index score of 30.7 out of 100, placing it in the Very Low category and the 31th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Floyd County?
The three highest-rated hazards are Hail (High, $3M EAL), Drought (High, $2M EAL), Wildfire (Low, $174K EAL). These account for most of the county's expected annual losses.
How does Floyd County compare to other Texas counties?
Floyd County ranks #167 of 254 Texas counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Floyd County had?
FEMA records 16 federal disaster declarations for Floyd County since 1992, most often 4 for hurricane events and 3 for severe ice storm events. The most recent was Severe Winter Storms, declared in February 2021.
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. Floyd County's $8M EAL is a statistical average, not a guarantee for any specific year or address.