Hardin County
Texas — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 70th
Hardin County faces low composite natural disaster risk (NRI Risk Index score 69.6, 70th national percentile), driven primarily by lightning and ice storm exposure. Expected annual loss across all 18 hazard types is $27M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | High | 76.57 / yr | $1M |
| Ice Storm | High | 0.76 / yr | $753K |
| Hurricane | Medium | 0.14 / yr | $5M |
| Tornado | Medium | 0.72 / yr | $5M |
| Wildfire | Low | 0.00 / yr | $535K |
| Cold Wave | Medium | 0.95 / yr | $2M |
| Heat Wave | Low | 10.86 / yr | $837K |
| Riverine Flood | Low | 1.25 / yr | $11M |
| Winter Weather | Low | 1.32 / yr | $51K |
| Drought | Low | 22.89 / yr | $73K |
| Strong Wind | Low | 1.03 / yr | $368K |
| Coastal Flood | Very Low | 0.01 / yr | $7K |
| Earthquake | Very Low | 0.00 / yr | $83K |
| Hail | Very Low | 2.00 / yr | $91K |
| Landslide | Very Low | 0.11 / yr | $84 |
| Avalanche | 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 Hardin County?
Hardin County has a composite FEMA National Risk Index score of 69.6 out of 100, placing it in the Low category and the 70th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hardin County?
The three highest-rated hazards are Lightning (High, $1M EAL), Ice Storm (High, $753K EAL), Hurricane (Medium, $5M EAL). These account for most of the county's expected annual losses.
How does Hardin County compare to other Texas counties?
Hardin County ranks #83 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. Hardin County's $27M EAL is a statistical average, not a guarantee for any specific year or address.