Llano County, Texas Natural Disaster Risk
FEMA National Risk Index assessment · TX
LowComposite Risk Score
National percentile: 70th
Llano County faces low composite natural disaster risk (NRI Risk Index score 70.4, 70th national percentile), driven primarily by riverine flood and hail exposure. Expected annual loss across all 18 hazard types is $19M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Llano County is low, with a National Risk Index score of 70.4 out of 100 — placing it in the 70th national percentile and below the national average for natural-disaster risk. 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 riverine flood (rivers and streams overflowing their banks after heavy rain or snowmelt) at Medium risk — $14M in expected annual loss and about 2.36 events per year; hail (ice stones from severe thunderstorms that damage property and crops) at Medium risk — $580K in expected annual loss and about 3.85 events per year; and wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $266K in expected annual loss and about 0.00 events per year. Across all hazards, FEMA estimates $19M in expected annual loss for a population of 21K.
Beyond physical exposure, Llano County has a very 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.
History supports the rating: Llano County has received 17 federal disaster declarations since 1991, including 4 for flood events and 3 for fire events. The most recent was Severe Storms, Straight-Line Winds, and Flooding (flood), declared in July 2025.
Among 254 Texas counties, Llano County ranks #80 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Riverine Flood | Medium | 2.36 / yr | $14M |
| Hail | Medium | 3.85 / yr | $580K |
| Wildfire | Low | 0.00 / yr | $266K |
| Winter Weather | Medium | 4.11 / yr | $98K |
| Lightning | Medium | 47.91 / yr | $327K |
| Drought | Medium | 86.19 / yr | $294K |
| Tornado | Medium | 0.34 / yr | $1M |
| Heat Wave | Low | 6.68 / yr | $359K |
| Cold Wave | Low | 0.63 / yr | $724K |
| Hurricane | Very Low | 0.01 / yr | $71K |
| Strong Wind | Low | 1.11 / yr | $312K |
| Landslide | Very Low | 0.23 / yr | $320 |
| Ice Storm | Very Low | 0.46 / yr | $6K |
| Earthquake | Very Low | 0.00 / yr | $6K |
| 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
Llano County has received 17 federal disaster declarations since 1991, most recently Severe Storms, Straight-Line Winds, and Flooding in July 2025. Most frequent causes: Flood (4), Fire (3), Hurricane (3).
| Declared | Type | Disaster |
|---|---|---|
| July 2025 | Flood | Severe Storms, Straight-Line Winds, and Flooding |
| 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 2019 | Flood | Severe Storms and Flooding |
| March 2008 | Fire | Wildfires |
| June 2007 | Severe Storm | Severe Storms, Tornadoes, and Flooding |
| January 2006 | Fire | Extreme Wildfire Threat |
| September 2005 | Hurricane | Hurricane Rita |
Showing the 10 most recent of 17 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Llano County?
Llano County has a composite FEMA National Risk Index score of 70.4 out of 100, placing it in the Low category and the 70th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Llano County?
The three highest-rated hazards are Riverine Flood (Medium, $14M EAL), Hail (Medium, $580K EAL), Wildfire (Low, $266K EAL). These account for most of the county's expected annual losses.
How does Llano County compare to other Texas counties?
Llano County ranks #80 of 254 Texas counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Llano County had?
FEMA records 17 federal disaster declarations for Llano County since 1991, most often 4 for flood events and 3 for fire events. The most recent was Severe Storms, Straight-Line Winds, and Flooding, declared in July 2025.
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. Llano County's $19M EAL is a statistical average, not a guarantee for any specific year or address.