Hamilton County
Texas — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 13th
Hamilton County faces very low composite natural disaster risk (NRI Risk Index score 12.8, 13th national percentile), driven primarily by wildfire and hail 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
| Wildfire | Low | 0.00 / yr | $607K |
| Hail | Low | 5.29 / yr | $272K |
| Drought | Low | 68.08 / yr | $132K |
| Hurricane | Very Low | 0.01 / yr | $49K |
| Tornado | Low | 0.51 / yr | $981K |
| Cold Wave | Low | 0.74 / yr | $579K |
| Lightning | Low | 49.68 / yr | $117K |
| Winter Weather | Low | 4.05 / yr | $29K |
| Heat Wave | Very Low | 9.79 / yr | $113K |
| Strong Wind | Low | 1.84 / yr | $165K |
| Riverine Flood | Very Low | 1.00 / yr | $2M |
| Ice Storm | Very Low | 0.87 / yr | $8K |
| Earthquake | Very Low | 0.00 / yr | $9K |
| Landslide | Very Low | 0.12 / yr | $20 |
| 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 Hamilton County?
Hamilton County has a composite FEMA National Risk Index score of 12.8 out of 100, placing it in the Very Low category and the 13th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hamilton County?
The three highest-rated hazards are Wildfire (Low, $607K EAL), Hail (Low, $272K EAL), Drought (Low, $132K EAL). These account for most of the county's expected annual losses.
How does Hamilton County compare to other Texas counties?
Hamilton County ranks #207 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. Hamilton County's $5M EAL is a statistical average, not a guarantee for any specific year or address.