Hardeman County
Texas — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 9th
Hardeman County faces very low composite natural disaster risk (NRI Risk Index score 8.7, 9th national percentile), driven primarily by drought and strong wind exposure. Expected annual loss across all 18 hazard types is $3M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | Medium | 149.64 / yr | $628K |
| Strong Wind | Medium | 3.24 / yr | $530K |
| Ice Storm | Medium | 0.66 / yr | $88K |
| Hail | Low | 7.65 / yr | $244K |
| Wildfire | Very Low | 0.00 / yr | $57K |
| Tornado | Low | 0.47 / yr | $395K |
| Heat Wave | Very Low | 11.16 / yr | $104K |
| Earthquake | Very Low | 0.00 / yr | $22K |
| Winter Weather | Very Low | 6.84 / yr | $12K |
| Hurricane | Very Low | 0.01 / yr | $4K |
| Landslide | Very Low | 0.11 / yr | $54 |
| Cold Wave | Very Low | 1.21 / yr | $67K |
| Riverine Flood | Very Low | 0.21 / yr | $381K |
| Lightning | Very Low | 48.86 / yr | $7K |
| 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 Hardeman County?
Hardeman County has a composite FEMA National Risk Index score of 8.7 out of 100, placing it in the Very Low category and the 9th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hardeman County?
The three highest-rated hazards are Drought (Medium, $628K EAL), Strong Wind (Medium, $530K EAL), Ice Storm (Medium, $88K EAL). These account for most of the county's expected annual losses.
How does Hardeman County compare to other Texas counties?
Hardeman County ranks #221 of 254 Texas counties for overall natural disaster risk, with a very low 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. Hardeman County's $3M EAL is a statistical average, not a guarantee for any specific year or address.