Hill County
Texas — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 73th
Hill County faces low composite natural disaster risk (NRI Risk Index score 73.0, 73th national percentile), driven primarily by cold wave and tornado exposure. Expected annual loss across all 18 hazard types is $25M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | High | 0.74 / yr | $10M |
| Tornado | Medium | 0.82 / yr | $5M |
| Wildfire | Low | 0.00 / yr | $401K |
| Drought | Medium | 39.57 / yr | $821K |
| Hail | Medium | 6.72 / yr | $650K |
| Lightning | Medium | 52.61 / yr | $534K |
| Ice Storm | Medium | 0.87 / yr | $265K |
| Heat Wave | Low | 16.26 / yr | $936K |
| Landslide | Low | 0.12 / yr | $7K |
| Hurricane | Low | 0.03 / yr | $302K |
| Strong Wind | Medium | 3.13 / yr | $541K |
| Riverine Flood | Low | 1.32 / yr | $5M |
| Earthquake | Very Low | 0.00 / yr | $65K |
| Winter Weather | Very Low | 3.26 / yr | $9K |
| 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 Hill County?
Hill County has a composite FEMA National Risk Index score of 73.0 out of 100, placing it in the Low category and the 73th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hill County?
The three highest-rated hazards are Cold Wave (High, $10M EAL), Tornado (Medium, $5M EAL), Wildfire (Low, $401K EAL). These account for most of the county's expected annual losses.
How does Hill County compare to other Texas counties?
Hill County ranks #73 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. Hill County's $25M EAL is a statistical average, not a guarantee for any specific year or address.