Sherman County
Texas — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 30th
Sherman County faces very low composite natural disaster risk (NRI Risk Index score 30.3, 30th national percentile), driven primarily by drought and cold wave exposure. Expected annual loss across all 18 hazard types is $11M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | High | 123.87 / yr | $7M |
| Cold Wave | Medium | 2.95 / yr | $3M |
| Wildfire | Low | 0.01 / yr | $132K |
| Winter Weather | Low | 11.26 / yr | $80K |
| Hail | Low | 6.21 / yr | $272K |
| Lightning | Low | 44.76 / yr | $108K |
| Ice Storm | Very Low | 0.20 / yr | $17K |
| Tornado | Very Low | 0.58 / yr | $230K |
| Earthquake | Very Low | 0.00 / yr | $26K |
| Strong Wind | Very Low | 2.64 / yr | $76K |
| Heat Wave | Very Low | 1.05 / yr | $7K |
| Riverine Flood | Very Low | 0.07 / yr | $252K |
| Landslide | Very Low | 0.10 / yr | $1 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Hurricane | 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 Sherman County?
Sherman County has a composite FEMA National Risk Index score of 30.3 out of 100, placing it in the Very Low category and the 30th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Sherman County?
The three highest-rated hazards are Drought (High, $7M EAL), Cold Wave (Medium, $3M EAL), Wildfire (Low, $132K EAL). These account for most of the county's expected annual losses.
How does Sherman County compare to other Texas counties?
Sherman County ranks #168 of 254 Texas counties for overall natural disaster risk, with a very low 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. Sherman County's $11M EAL is a statistical average, not a guarantee for any specific year or address.