Terry County
Texas — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 52th
Terry County faces low composite natural disaster risk (NRI Risk Index score 52.0, 52th national percentile), driven primarily by hail and drought exposure. Expected annual loss across all 18 hazard types is $12M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | High | 4.41 / yr | $3M |
| Drought | High | 102.10 / yr | $2M |
| Cold Wave | Medium | 0.89 / yr | $4M |
| Winter Weather | Medium | 6.53 / yr | $69K |
| Strong Wind | Medium | 1.99 / yr | $534K |
| Wildfire | Very Low | 0.00 / yr | $55K |
| Tornado | Low | 0.48 / yr | $1M |
| Hurricane | Very Low | 0.01 / yr | $11K |
| Ice Storm | Low | 0.40 / yr | $24K |
| Heat Wave | Very Low | 2.37 / yr | $95K |
| Lightning | Low | 46.59 / yr | $60K |
| Earthquake | Very Low | 0.00 / yr | $14K |
| Riverine Flood | Very Low | 0.61 / yr | $1M |
| Landslide | Very Low | 0.08 / 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 |
Frequently Asked Questions
What is the overall natural disaster risk for Terry County?
Terry County has a composite FEMA National Risk Index score of 52.0 out of 100, placing it in the Low category and the 52th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Terry County?
The three highest-rated hazards are Hail (High, $3M EAL), Drought (High, $2M EAL), Cold Wave (Medium, $4M EAL). These account for most of the county's expected annual losses.
How does Terry County compare to other Texas counties?
Terry County ranks #132 of 254 Texas counties for overall natural disaster risk, with a 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. Terry County's $12M EAL is a statistical average, not a guarantee for any specific year or address.