Loving County, Texas Natural Disaster Risk
FEMA National Risk Index assessment · TX
Very LowComposite Risk Score
National percentile: 0th
Loving County faces very low composite natural disaster risk (NRI Risk Index score 0.0, 0th national percentile), driven primarily by hurricane and wildfire exposure. Expected annual loss across all 18 hazard types is $58K.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
FEMA's National Risk Index rates Loving County at very low composite risk, with a National Risk Index score of 0.0 out of 100 — placing it in the 0th 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.
Most of Loving County's expected losses come from hurricane (tropical cyclones bringing extreme wind, rain, and storm surge) at Very Low risk — $52 in expected annual loss and about 0.01 events per year; wildfire (uncontrolled fires that spread across wildland and into communities) at Very Low risk — $2K in expected annual loss and about 0.00 events per year; and ice storm (freezing rain that coats surfaces in heavy, damaging ice) at Very Low risk — $2K in expected annual loss and about 0.45 events per year. Across all hazards, FEMA estimates $58K in expected annual loss for a population of 64.
Beyond physical exposure, Loving County has a low social vulnerability rating (how susceptible the population is to harm) and a very low community resilience rating (its capacity to prepare for and recover from disasters). Both measures sit toward the lower end, indicating relatively modest population sensitivity.
The county's disaster history tells the same story: Loving County has received 11 federal disaster declarations since 1998, including 3 for fire events and 3 for hurricane events. The most recent was Severe Winter Storms (severe ice storm), declared in February 2021.
Among 254 Texas counties, Loving County ranks #254 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hurricane | Very Low | 0.01 / yr | $52 |
| Wildfire | Very Low | 0.00 / yr | $2K |
| Ice Storm | Very Low | 0.45 / yr | $2K |
| Cold Wave | Very Low | 0.42 / yr | $847 |
| Heat Wave | Very Low | 5.40 / yr | $720 |
| Hail | Very Low | 2.13 / yr | $4K |
| Strong Wind | Very Low | 0.71 / yr | $11K |
| Tornado | Very Low | 0.16 / yr | $2K |
| Winter Weather | Very Low | 4.94 / yr | $616 |
| Earthquake | Very Low | 0.00 / yr | $345 |
| Riverine Flood | Very Low | 0.39 / yr | $34K |
| Lightning | Very Low | 44.01 / yr | $594 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 76.76 / yr | $0 |
| Landslide | Very Low | 0.04 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Disaster History
Loving County has received 11 federal disaster declarations since 1998, most recently Severe Winter Storms in February 2021. Most frequent causes: Fire (3), Hurricane (3), Severe Ice Storm (2).
| 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 |
| March 2008 | Fire | Wildfires |
| January 2006 | Fire | Extreme Wildfire Threat |
| September 2005 | Hurricane | Hurricane Rita |
| September 2005 | Hurricane | Hurricane Rita |
| September 2005 | Hurricane | Hurricane Katrina Evacuation |
| September 1999 | Fire | Extreme Fire Hazards |
Showing the 10 most recent of 11 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Loving County?
Loving County has a composite FEMA National Risk Index score of 0.0 out of 100, placing it in the Very Low category and the 0th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Loving County?
The three highest-rated hazards are Hurricane (Very Low, $52 EAL), Wildfire (Very Low, $2K EAL), Ice Storm (Very Low, $2K EAL). These account for most of the county's expected annual losses.
How does Loving County compare to other Texas counties?
Loving County ranks #254 of 254 Texas counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Loving County had?
FEMA records 11 federal disaster declarations for Loving County since 1998, most often 3 for fire events and 3 for hurricane 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. Loving County's $58K EAL is a statistical average, not a guarantee for any specific year or address.