McLennan County
Texas — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 91th
McLennan County faces medium composite natural disaster risk (NRI Risk Index score 91.2, 91th national percentile), driven primarily by tornado and lightning exposure. Expected annual loss across all 18 hazard types is $84M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Tornado | High | 0.71 / yr | $29M |
| Lightning | Very High | 51.49 / yr | $2M |
| Cold Wave | High | 0.68 / yr | $12M |
| Heat Wave | Medium | 16.95 / yr | $6M |
| Hail | Medium | 4.68 / yr | $1M |
| Wildfire | Medium | 0.00 / yr | $1M |
| Riverine Flood | Medium | 2.29 / yr | $29M |
| Hurricane | Low | 0.05 / yr | $2M |
| Ice Storm | Medium | 0.90 / yr | $205K |
| Strong Wind | Medium | 2.06 / yr | $723K |
| Earthquake | Low | 0.00 / yr | $492K |
| Winter Weather | Low | 3.11 / yr | $71K |
| Drought | Low | 44.46 / yr | $180K |
| Landslide | Very Low | 0.15 / yr | $487 |
| 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 McLennan County?
McLennan County has a composite FEMA National Risk Index score of 91.2 out of 100, placing it in the Medium category and the 91th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in McLennan County?
The three highest-rated hazards are Tornado (High, $29M EAL), Lightning (Very High, $2M EAL), Cold Wave (High, $12M EAL). These account for most of the county's expected annual losses.
How does McLennan County compare to other Texas counties?
McLennan County ranks #20 of 254 Texas counties for overall natural disaster risk, with a medium 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. McLennan County's $84M EAL is a statistical average, not a guarantee for any specific year or address.