Reagan County, Texas Natural Disaster Risk
FEMA National Risk Index assessment · TX
Very LowComposite Risk Score
National percentile: 6th
Reagan County faces very low composite natural disaster risk (NRI Risk Index score 5.9, 6th national percentile), driven primarily by drought and wildfire exposure. Expected annual loss across all 18 hazard types is $3M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Reagan County is very low, with a National Risk Index score of 5.9 out of 100 — placing it in the 6th 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.
The county's risk is driven primarily by drought (extended dry periods that stress water supplies and agriculture) at High risk — $2M in expected annual loss and about 49.60 events per year; wildfire (uncontrolled fires that spread across wildland and into communities) at Very Low risk — $62K in expected annual loss and about 0.00 events per year; and hail (ice stones from severe thunderstorms that damage property and crops) at Low risk — $135K in expected annual loss and about 3.43 events per year. Across all hazards, FEMA estimates $3M in expected annual loss for a population of 3K.
Beyond physical exposure, Reagan County has a medium 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 federal record bears this out: Reagan County has received 13 federal disaster declarations since 1993, including 4 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, Reagan County ranks #226 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Drought | High | 49.60 / yr | $2M |
| Wildfire | Very Low | 0.00 / yr | $62K |
| Hail | Low | 3.43 / yr | $135K |
| Winter Weather | Very Low | 4.79 / yr | $17K |
| Heat Wave | Very Low | 5.11 / yr | $33K |
| Strong Wind | Very Low | 1.30 / yr | $108K |
| Tornado | Very Low | 0.38 / yr | $121K |
| Hurricane | Very Low | 0.01 / yr | $3K |
| Lightning | Very Low | 44.01 / yr | $34K |
| Cold Wave | Very Low | 0.53 / yr | $56K |
| Riverine Flood | Very Low | 0.86 / yr | $535K |
| Earthquake | Very Low | 0.00 / yr | $3K |
| Ice Storm | Very Low | 0.07 / yr | $453 |
| Landslide | Very Low | 0.11 / yr | $0 |
| 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
Reagan County has received 13 federal disaster declarations since 1993, most recently Severe Winter Storms in February 2021. Most frequent causes: Fire (4), 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 |
| July 2011 | Fire | Wildfires |
| 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 |
Showing the 10 most recent of 13 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Reagan County?
Reagan County has a composite FEMA National Risk Index score of 5.9 out of 100, placing it in the Very Low category and the 6th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Reagan County?
The three highest-rated hazards are Drought (High, $2M EAL), Wildfire (Very Low, $62K EAL), Hail (Low, $135K EAL). These account for most of the county's expected annual losses.
How does Reagan County compare to other Texas counties?
Reagan County ranks #226 of 254 Texas counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Reagan County had?
FEMA records 13 federal disaster declarations for Reagan County since 1993, most often 4 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. Reagan County's $3M EAL is a statistical average, not a guarantee for any specific year or address.