Garza County
Texas — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 20th
Garza County faces very low composite natural disaster risk (NRI Risk Index score 20.0, 20th national percentile), driven primarily by drought and wildfire exposure. Expected annual loss across all 18 hazard types is $5M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Drought | High | 74.82 / yr | $2M |
| Wildfire | Low | 0.01 / yr | $388K |
| Hail | Medium | 4.90 / yr | $542K |
| Strong Wind | Low | 2.12 / yr | $287K |
| Tornado | Low | 0.57 / yr | $535K |
| Winter Weather | Low | 6.42 / yr | $24K |
| Ice Storm | Low | 0.32 / yr | $17K |
| Cold Wave | Very Low | 0.95 / yr | $149K |
| Heat Wave | Very Low | 3.00 / yr | $38K |
| Hurricane | Very Low | 0.01 / yr | $2K |
| Earthquake | Very Low | 0.00 / yr | $5K |
| Lightning | Very Low | 48.72 / yr | $15K |
| Landslide | Very Low | 0.15 / yr | $9 |
| Riverine Flood | Very Low | 0.75 / yr | $353K |
| 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 Garza County?
Garza County has a composite FEMA National Risk Index score of 20.0 out of 100, placing it in the Very Low category and the 20th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Garza County?
The three highest-rated hazards are Drought (High, $2M EAL), Wildfire (Low, $388K EAL), Hail (Medium, $542K EAL). These account for most of the county's expected annual losses.
How does Garza County compare to other Texas counties?
Garza County ranks #192 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. Garza County's $5M EAL is a statistical average, not a guarantee for any specific year or address.