Kerr County
Texas — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 77th
Kerr County faces low composite natural disaster risk (NRI Risk Index score 77.2, 77th national percentile), driven primarily by lightning and winter weather 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
| Lightning | High | 44.87 / yr | $784K |
| Winter Weather | High | 4.00 / yr | $239K |
| Riverine Flood | Medium | 2.75 / yr | $18M |
| Wildfire | Low | 0.00 / yr | $450K |
| Hail | Medium | 2.83 / yr | $647K |
| Tornado | Medium | 0.23 / yr | $3M |
| Drought | Medium | 137.65 / yr | $532K |
| Heat Wave | Low | 3.89 / yr | $548K |
| Landslide | Low | 0.39 / yr | $3K |
| Strong Wind | Medium | 0.67 / yr | $551K |
| Hurricane | Low | 0.02 / yr | $171K |
| Cold Wave | Low | 0.63 / yr | $791K |
| Earthquake | Very Low | 0.00 / yr | $13K |
| Ice Storm | Very Low | 0.05 / yr | $3K |
| 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 Kerr County?
Kerr County has a composite FEMA National Risk Index score of 77.2 out of 100, placing it in the Low category and the 77th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Kerr County?
The three highest-rated hazards are Lightning (High, $784K EAL), Winter Weather (High, $239K EAL), Riverine Flood (Medium, $18M EAL). These account for most of the county's expected annual losses.
How does Kerr County compare to other Texas counties?
Kerr County ranks #62 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. Kerr County's $25M EAL is a statistical average, not a guarantee for any specific year or address.