Hamilton County Disaster Risk
Hamilton County, Texas
FEMA Risk Rating
Very Low
National Percentile
13th
of 3,144 counties
State Rank
#206
of 254 (1 = highest risk)
Flood Risk
17th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Very Low
Higher than 17% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Moderate
Higher than 85% of US counties
Tornado
Tornado and severe thunderstorm risk
Relatively Low
Higher than 47% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 11% of US counties
Hurricane
Tropical cyclone and hurricane risk
Relatively Low
Higher than 47% of US counties
Risk Overview
About Natural Disaster Risk in Hamilton County, Texas
Hamilton County's low natural disaster risk
Hamilton County's composite risk score of 12.85 places it well below the national average, earning a Very Low rating for natural disaster exposure. This makes it one of Texas's safer counties when measuring combined hazard risk across floods, wildfires, tornadoes, earthquakes, and hurricanes.
Among Texas's safest counties
Hamilton County ranks in the lowest tier statewide with a composite risk score of 12.85, compared to Texas's 49.00 state average. This 74% lower risk score reflects minimal exposure to major disaster types across the region.
Safer than Comanche, similar to Milam
Hamilton County's risk profile outperforms most neighboring counties in Central Texas. Its Very Low rating contrasts sharply with higher-risk areas to the south and east, positioning it among the state's most resilient communities.
Wildfire and tornado exposure remain
Though overall risk is low, Hamilton County faces meaningful wildfire exposure at 84.86—well above state average—and moderate tornado risk at 46.60. Residents should still prepare for fire season and severe weather despite the county's strong composite rating.
Wildfire insurance protects your property
Even in low-risk counties, wildfire and tornado coverage gaps expose homeowners to preventable losses. Review your homeowner's policy to ensure adequate wildfire and wind coverage, and maintain defensible space around your property.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Hamilton County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Hamilton County
Risk Verdict
Hamilton County carries a low natural disaster risk burden, scoring at the 13th percentile under the FEMA National Risk Index. Even at the 13th percentile, Hamilton County's composite score reflects real hazard exposure categories — knowing which ones apply locally enables targeted, efficient household preparedness.
Hazard Breakdown
Wildfire risk is Hamilton County's dominant natural hazard, ranked at the 85th percentile nationally under FEMA's National Risk Index. Hurricane ranks second at the 47th percentile nationally. Additional tracked hazards include tornado (47th percentile), flood (17th percentile), earthquake (11th percentile).
Preparedness Context
Wildfire ranks as Hamilton County's primary hazard at the 85th percentile nationally. For Hamilton County households in high-WUI areas, go-bag readiness — the ability to leave within 15 minutes — is more important than shelter-in-place planning for most residential properties. The county's hurricane exposure at the 47th percentile nationally complements the wildfire risk — saturating rain after burn scarring often triggers secondary flood and debris flow events. Hamilton County county's local emergency management office publishes community-specific wildfire risk assessments and evacuation zone maps; households should review their zone assignment and sign up for zone-specific alerts.
Regional Context
Compared to the Texas county average, Hamilton County's composite score runs 36.2 points lower — a gap that reflects the county's relatively modest hazard profile within its state context.
Is your household prepared for Hamilton County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Hamilton County, TX?
What types of natural hazards affect Hamilton County?
How does Hamilton County risk compare to the Texas average?
Is Hamilton County at risk for wildfire?
How is natural disaster risk measured?
Is Hamilton County a safe place to live?
Data Source
Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.
Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.