Grayson County
Texas — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 80th
Grayson County faces low composite natural disaster risk (NRI Risk Index score 80.3, 80th national percentile), driven primarily by hail and tornado exposure. Expected annual loss across all 18 hazard types is $43M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | Medium | 8.54 / yr | $2M |
| Tornado | High | 0.88 / yr | $9M |
| Heat Wave | Medium | 15.95 / yr | $4M |
| Ice Storm | High | 1.25 / yr | $1M |
| Wildfire | Low | 0.00 / yr | $775K |
| Cold Wave | Medium | 1.05 / yr | $4M |
| Riverine Flood | Medium | 2.18 / yr | $19M |
| Earthquake | Low | 0.00 / yr | $662K |
| Landslide | Very Low | 0.18 / yr | $3K |
| Winter Weather | Low | 4.95 / yr | $82K |
| Lightning | Low | 54.88 / yr | $291K |
| Strong Wind | Medium | 3.99 / yr | $644K |
| Hurricane | Very Low | 0.01 / yr | $103K |
| Drought | Low | 28.10 / yr | $125K |
| 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 Grayson County?
Grayson County has a composite FEMA National Risk Index score of 80.3 out of 100, placing it in the Low category and the 80th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Grayson County?
The three highest-rated hazards are Hail (Medium, $2M EAL), Tornado (High, $9M EAL), Heat Wave (Medium, $4M EAL). These account for most of the county's expected annual losses.
How does Grayson County compare to other Texas counties?
Grayson County ranks #51 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. Grayson County's $43M EAL is a statistical average, not a guarantee for any specific year or address.