Natural disaster risk in Hardin County, Texas
Texas · population 56,129 · FIPS 48199
Overall: relatively low risk
Hardin County has a composite risk score of 69.6 out of 100 — higher than 69% of US counties. It ranks 83 of 254 in Texas (1 = highest risk). Its highest-rated hazards are lightning, ice storm, hurricane.
Drought now: Yes: D1 Moderate Drought, 1 week
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 26.59% of Hardin County is in D1 Moderate Drought. Some of it has been at D1 or worse for 1 week so far.
Drought in Hardin County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Relatively low 69.6 |
| Expected annual loss About $27.1 million a year, on average, across all 18 hazards. |
Relatively low 69.9 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively moderate 44.6 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively moderate 49.5 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Hardin County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Lightning | Relatively high 89 |
| Ice storm | Relatively high 88 |
| Hurricane | Relatively moderate 87 |
| Tornado | Relatively moderate 85 |
| Cold wave | Relatively moderate 72 |
| Wildfire | Relatively low 82 |
| Heat wave | Relatively low 69 |
| Inland (riverine) flooding | Relatively low 66 |
| Winter weather | Relatively low 44 |
| Drought | Relatively low 41 |
| Strong wind | Relatively low 37 |
| Coastal flooding | Very low 34 |
| Earthquake | Very low 31 |
| Hail | Very low 25 |
| Landslide | Very low 17 |
| Avalanche | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Hardin County
Federal declarations that designated Hardin County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Hardin County has been named in 2 FEMA declarations since 1 Jan 2024. The latest is DR-4798-TX (Hurricane Beryl), declared 9 Jul 2024.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| DR-4798-TX | Major disaster | Hurricane Beryl | 9 Jul 2024 | No |
| DR-4781-TX | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 17 May 2024 | Yes |
All FEMA declarations in Texas, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, 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). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Hardin County, Texas?
FEMA's National Risk Index rates the overall risk in Hardin County as relatively low, with a score of 69.6 out of 100 (higher than 69% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Hardin County?
The hazards rated highest for Hardin County are lightning (relatively high), ice storm (relatively high), hurricane (relatively moderate).
What is the flood risk in Hardin County?
FEMA rates inland (river and rain) flooding risk in Hardin County as relatively low, and coastal flooding risk as very low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Hardin County had a FEMA disaster declaration?
Yes. Hardin County has been named in 2 FEMA declarations since 1 Jan 2024. The latest is DR-4798-TX (Hurricane Beryl), declared 9 Jul 2024.
Is Hardin County in a drought?
Yes. On the U.S. Drought Monitor map valid 13 October 2026, 26.59% of Hardin County is in D1 Moderate Drought. Some of it has been at D1 or worse for 1 week so far.
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