Lubbock County
Texas — Natural Disaster Risk Assessment
HighComposite Risk Score
National percentile: 96th
Lubbock County faces high composite natural disaster risk (NRI Risk Index score 96.2, 96th national percentile), driven primarily by drought and hail exposure. Expected annual loss across all 18 hazard types is $214M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | Very High | 76.01 / yr | $62M |
| Hail | Very High | 4.93 / yr | $35M |
| Strong Wind | Very High | 2.21 / yr | $17M |
| Tornado | High | 0.61 / yr | $32M |
| Winter Weather | Very High | 7.37 / yr | $1M |
| Cold Wave | High | 1.21 / yr | $15M |
| Ice Storm | High | 0.61 / yr | $1M |
| Riverine Flood | Medium | 2.25 / yr | $47M |
| Wildfire | Low | 0.00 / yr | $750K |
| Lightning | High | 47.93 / yr | $804K |
| Heat Wave | Medium | 2.37 / yr | $1M |
| Earthquake | Low | 0.00 / yr | $439K |
| Hurricane | Very Low | 0.01 / yr | $54K |
| Landslide | Very Low | 0.09 / yr | $117 |
| 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 Lubbock County?
Lubbock County has a composite FEMA National Risk Index score of 96.2 out of 100, placing it in the High category and the 96th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Lubbock County?
The three highest-rated hazards are Drought (Very High, $62M EAL), Hail (Very High, $35M EAL), Strong Wind (Very High, $17M EAL). These account for most of the county's expected annual losses.
How does Lubbock County compare to other Texas counties?
Lubbock County ranks #12 of 254 Texas counties for overall natural disaster risk, with a high 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. Lubbock County's $214M EAL is a statistical average, not a guarantee for any specific year or address.