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Natural hazard risk in Tarrant County, Texas

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 99.1 of 100)[5]

Expected annual loss (FEMA)
$608.1 million[1]
Federal disaster declarations since 1966
25[2]
NFIP flood claims paid, 1978 to 2026
$61.6 million[3]
Tornadoes recorded, 1950 to 2024
113[4]

FEMA's National Risk Index rates overall natural hazard risk in Tarrant County as Relatively High, with a score of 99.1 out of 100[5]. The hazards with the highest FEMA scores in the county are hail, tornado and heat wave[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's National Risk Index compares each county with all other US counties[7]. FEMA rates hail risk Very High (score 99.9) and tornado risk Very High (score 99.8) for Tarrant County[8][9]. FEMA estimates Expected Annual Loss from all 18 natural hazards at $608.1 million a year[1]. The largest parts of that estimate are inland flooding at $258.1 million, tornado at $144.2 million and hail at $112.5 million a year[10]. This is FEMA's estimate of average yearly loss, not money anyone paid, and FEMA says the index is not meant to predict next year's damage[7]. FEMA rates social vulnerability Relatively Low (score 36.7) and community resilience Relatively Low (score 31.2)[11][12].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
HailVery High$112.5 million[8]
TornadoVery High$144.2 million[9]
Heat WaveRelatively High$50.2 million[13]
Inland FloodingRelatively High$258.1 million[14]
Cold WaveRelatively High$29.5 million[15]
Ice StormVery High$2.5 million[16]
Winter WeatherVery High$1.1 million[17]
LightningRelatively High$1.9 million[18]
WildfireRelatively Moderate$1.7 million[19]
EarthquakeRelatively Low$4.1 million[20]
Strong WindRelatively Moderate$1.5 million[21]
HurricaneRelatively Low$728,000[22]
LandslideRelatively Low$4,912[23]
DroughtRelatively Low$46,000[24]

Rated Not Applicable by FEMA for this county: avalanche, coastal flooding, tsunami, volcanic activity[25].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively Low36.7[11]
Community resilienceRelatively Low31.2[12]

Flooding and flood insurance

FEMA rates inland flooding risk in Tarrant County Relatively High, with a score of 99.1[14]. OpenFEMA lists 4,999 residential flood insurance contracts in force out of 574,990 residential structures, a penetration rate of 0.9% as of 2026-08-03[26]. OpenFEMA NFIP claims data show 3,569 claims filed for losses from 1978 to 2026, and NFIP paid $61.6 million in total[3]. County ratings do not tell you the flood zone of an address. FEMA's Flood Map Service Center is the place to look one up[27].

Measure Value
Inland Flooding, FEMA risk rating[14] Relatively High, $258.1 million expected loss a year
NFIP residential flood policies in force (2026)[26] 4,999 of 574,990 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[26] 1,163, of which 2,647 insured
NFIP flood claims, 1978 to 2026[3] 3,569 filed, $61.6 million paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[27]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 25 federal disaster declarations for natural hazards that include Tarrant County since 1966[2]. The most recent is DR-4586-TX for Severe Winter Storms, declared 2021-02-19[28]. NOAA's tornado database records 113 tornadoes touching the county from 1950 to 2024, and the most recent was on 2022-12-13[4].

Federal disaster declarations for natural hazards that include Tarrant County, since 1966
Incident type Declarations
Hurricane[2] 8
Fire[2] 5
Severe Storm[2] 5
Flood[2] 3
Severe Ice Storm[2] 2
Tornado[2] 1
Drought[2] 1
Most recent declarations
Declaration Incident Declared
DR-4586-TX[28] Severe Winter Storms 2021-02-19
EM-3554-TX[28] Severe Winter Storm 2021-02-14
EM-3540-TX[28] Tropical Storms Marco And Laura 2020-08-24
DR-4332-TX[28] Hurricane Harvey 2017-08-25
DR-4223-TX[28] Severe Storms, Tornadoes, Straight-Line Winds And Flooding 2015-05-29

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Tornadoes

Before

  • Learn the warning signs: a rotating funnel cloud, an approaching cloud of debris or a loud roar like a freight train.
  • Sign up for community warning systems and learn what your local sirens sound like.
  • Pick a safe spot, such as a safe room built to FEMA criteria or an ICC 500 storm shelter, and practice getting there.
  • Include your pets in the household emergency plan.
  • Keep supplies, food, water and medication in case you have to stay home for a long time.

During

  • Go right away to the safe place you picked in advance.
  • Protect your head and neck with your arms and stay away from windows, doors and outside walls.
  • No place in a car is fully safe. If you can get lower than the road, leave the car and lie down there.

Source: Ready.gov, tornadoes

Extreme heat

Before

  • Learn the signs of heat illness and how to respond.
  • Do not rely on a fan as your main way to stay cool. Fans do not lower body temperature.
  • Find cool public places, such as libraries or malls, or ask your local health department.
  • Keep heat out with window shades, weather stripping and insulation.
  • If you cannot afford cooling costs, contact LIHEAP for help.

During

  • Never leave a person or an animal in a parked car in warm weather.
  • If your home has no air conditioning, go to a cooling center.
  • Wear light, loose clothing, drink plenty of fluids and avoid hard outdoor work in the middle of the day.

Source: Ready.gov, extreme heat

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Questions people ask

Is Tarrant County at risk of flooding?
FEMA rates inland flooding risk Relatively High for Tarrant County compared with other US counties[14]. FEMA estimates inland flooding makes up $258.1 million a year of expected annual loss[10].
Is Tarrant County at risk of tornadoes?
FEMA rates tornado risk Very High compared with other US counties, with a score of 99.8[9]. NOAA's tornado database records 113 tornadoes touching the county from 1950 to 2024[4].
Is Tarrant County at risk of earthquakes or hurricanes?
FEMA rates earthquake risk Relatively Low and hurricane risk Relatively Low compared with other US counties[20][22].
How many federal disasters were declared in Tarrant County?
OpenFEMA lists 25 federal disaster declarations for natural hazards that include Tarrant County since 1966[2].
How do I check the flood zone of an address in Tarrant County?
Look up the address in FEMA's Flood Map Service Center or ask the local floodplain manager[27].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Tarrant County is $608.1 million a year (Expected Annual Loss rating Relatively High, score 99.2). Of this, buildings account for $410.8 million, injuries and deaths (converted to dollars by FEMA) for $197.2... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 25 federal disaster declarations for natural hazards that include Tarrant County since 1966 (13 major disaster, 12 emergency or fire management). By incident type: hurricane 8, fire 5, severe storm 5, flood 3, severe ice storm 2, tornado 1, drought 1. Biological (such... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 3,569 National Flood Insurance Program claims were filed for losses in Tarrant County, 2,654 of them with a payment, and NFIP paid $61.6 million in total (building, contents and increased cost of compliance, in dollars of the year paid).... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 113 recorded tornadoes touched Tarrant County. The strongest were rated F3 (most recent of them on 2002-04-16). 4 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2022-12-13. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Tarrant County is Relatively High, with a Risk Index score of 99.1 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Tarrant County are hail (99.9, Very High), tornado (99.8, Very High), heat wave (99.4, Relatively High). HazardFacts sorted FEMA's published scores; FEMA's scores... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. FEMA National Risk Index (version 1.20, December 2025), hail in Tarrant County: Risk Index rating Very High (score 99.9 of 100). Expected Annual Loss $112.5 million a year (rating Very High). Annualized frequency 9.42 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025), tornado in Tarrant County: Risk Index rating Very High (score 99.8 of 100). Expected Annual Loss $144.2 million a year (rating Very High). Annualized frequency 0.89 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  10. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Tarrant County (National Risk Index v1.20): the largest are inland flooding ($258.1 million a year), tornado ($144.2 million a year), hail ($112.5 million a year), out of $608.1 million a year from all 18 hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Tarrant County is Relatively Low (score 36.7). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Tarrant County is Relatively Low (score 31.2). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), heat wave in Tarrant County: Risk Index rating Relatively High (score 99.4 of 100). Expected Annual Loss $50.2 million a year (rating Relatively High). Annualized frequency 19.11 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Tarrant County: Risk Index rating Relatively High (score 99.1 of 100). Expected Annual Loss $258.1 million a year (rating Relatively High). Annualized frequency 5.36 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), cold wave in Tarrant County: Risk Index rating Relatively High (score 98.7 of 100). Expected Annual Loss $29.5 million a year (rating Very High). Annualized frequency 0.95 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), ice storm in Tarrant County: Risk Index rating Very High (score 97.4 of 100). Expected Annual Loss $2.5 million a year (rating Very High). Annualized frequency 1.15 event-days per year, from recorded occurrences over a period of record of 68 years. FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), winter weather in Tarrant County: Risk Index rating Very High (score 97.3 of 100). Expected Annual Loss $1.1 million a year (rating Very High). Annualized frequency 4.11 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), lightning in Tarrant County: Risk Index rating Relatively High (score 95.1 of 100). Expected Annual Loss $1.9 million a year (rating Relatively High). Annualized frequency 54.14 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), wildfire in Tarrant County: Risk Index rating Relatively Moderate (score 91.4 of 100). Expected Annual Loss $1.7 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.0012 events per year. FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), earthquake in Tarrant County: Risk Index rating Relatively Low (score 88.2 of 100). Expected Annual Loss $4.1 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.0008 events per year. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), strong wind in Tarrant County: Risk Index rating Relatively Moderate (score 82.7 of 100). Expected Annual Loss $1.5 million a year (rating Relatively Moderate). Annualized frequency 4.19 events per year, from recorded occurrences over a period of record of 38... FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), hurricane in Tarrant County: Risk Index rating Relatively Low (score 72.2 of 100). Expected Annual Loss $728,000 a year (rating Relatively Low). Annualized frequency 0.02 events per year, from recorded occurrences over a period of record of 172 years for the... FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), landslide in Tarrant County: Risk Index rating Relatively Low (score 68.0 of 100). Expected Annual Loss $4,912 a year (rating Very Low). FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), drought in Tarrant County: Risk Index rating Relatively Low (score 36.1 of 100). Expected Annual Loss $46,000 a year (rating Relatively Low). Annualized frequency 35.86 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Tarrant County: avalanche, coastal flooding, tsunami, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically... FEMA National Risk Index documentation
  26. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 4,999 residential flood insurance contracts were in force in Tarrant County, out of 574,990 residential structures, a penetration rate of 0.9%. Inside FEMA's mapped Special Flood Hazard Area there were 1,163 residential structures and 2,647 contracts,... OpenFEMA NFIP penetration rates
  27. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  28. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.