Titus County, Texas Natural Disaster Risk
FEMA National Risk Index assessment · TX
LowComposite Risk Score
National percentile: 47th
Titus County faces low composite natural disaster risk (NRI Risk Index score 46.8, 47th national percentile), driven primarily by ice storm and hail exposure. Expected annual loss across all 18 hazard types is $12M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Titus County is low, with a National Risk Index score of 46.8 out of 100 — placing it in the 47th national percentile and below the national average for natural-disaster risk. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Most of Titus County's expected losses come from ice storm (freezing rain that coats surfaces in heavy, damaging ice) at High risk — $1M in expected annual loss and about 1.13 events per year; hail (ice stones from severe thunderstorms that damage property and crops) at Medium risk — $1M in expected annual loss and about 5.21 events per year; and strong wind (damaging straight-line winds outside of tornadoes and hurricanes) at Medium risk — $1M in expected annual loss and about 4.84 events per year. Across all hazards, FEMA estimates $12M in expected annual loss for a population of 31K.
Beyond physical exposure, Titus County has a high 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). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
The federal record bears this out: Titus County has received 21 federal disaster declarations since 1966, including 5 for hurricane events and 4 for severe storm events. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (flood), declared in May 2024.
Among 254 Texas counties, Titus County ranks #138 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Ice Storm | High | 1.13 / yr | $1M |
| Hail | Medium | 5.21 / yr | $1M |
| Strong Wind | Medium | 4.84 / yr | $1M |
| Heat Wave | Low | 18.16 / yr | $950K |
| Tornado | Medium | 0.33 / yr | $2M |
| Wildfire | Low | 0.00 / yr | $182K |
| Drought | Medium | 27.90 / yr | $345K |
| Cold Wave | Low | 1.00 / yr | $981K |
| Hurricane | Very Low | 0.02 / yr | $115K |
| Earthquake | Very Low | 0.00 / yr | $242K |
| Winter Weather | Low | 3.63 / yr | $52K |
| Lightning | Low | 57.84 / yr | $186K |
| Riverine Flood | Very Low | 0.75 / yr | $3M |
| Landslide | Very Low | 0.08 / yr | $96 |
| 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
Titus County has received 21 federal disaster declarations since 1966, most recently Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in May 2024. Most frequent causes: Hurricane (5), Severe Storm (4), Fire (4).
| Declared | Type | Disaster |
|---|---|---|
| May 2024 | Flood | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding |
| February 2021 | Severe Ice Storm | Severe Winter Storms |
| February 2021 | Severe Ice Storm | Severe Winter Storm |
| August 2020 | Hurricane | Tropical Storms Marco and Laura |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| February 2016 | Severe Storm | Severe Winter Storms, Tornadoes, Straight-Line Winds, and Flooding |
| September 2011 | Fire | Wildfires |
| September 2008 | Hurricane | Hurricane Ike |
| March 2008 | Fire | Wildfires |
Showing the 10 most recent of 21 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Titus County?
Titus County has a composite FEMA National Risk Index score of 46.8 out of 100, placing it in the Low category and the 47th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Titus County?
The three highest-rated hazards are Ice Storm (High, $1M EAL), Hail (Medium, $1M EAL), Strong Wind (Medium, $1M EAL). These account for most of the county's expected annual losses.
How does Titus County compare to other Texas counties?
Titus County ranks #138 of 254 Texas counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Titus County had?
FEMA records 21 federal disaster declarations for Titus County since 1966, most often 5 for hurricane events and 4 for severe storm events. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, declared in May 2024.
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. Titus County's $12M EAL is a statistical average, not a guarantee for any specific year or address.