Hardeman County Disaster Risk
Hardeman County, Texas
FEMA Risk Rating
Very Low
National Percentile
9th
of 3,144 counties
State Rank
#221
of 254 (1 = highest risk)
Flood Risk
4th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Very Low
Higher than 4% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Relatively Low
Higher than 62% of US counties
Tornado
Tornado and severe thunderstorm risk
Very Low
Higher than 35% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 23% of US counties
Hurricane
Tropical cyclone and hurricane risk
Very Low
Higher than 22% of US counties
Risk Overview
About Natural Disaster Risk in Hardeman County, Texas
Hardeman County ranks among safest areas
Hardeman County's composite risk score of 8.65 places it in the safest tier nationally, with a Very Low disaster rating across all major hazard categories. This West Texas county experiences minimal exposure to floods, hurricanes, earthquakes, and severe storms.
Texas's lowest overall disaster risk
Hardeman County ranks among Texas's safest jurisdictions with a composite score of 8.65—82% below the state average of 49.00. Few Texas counties offer comparable protection across the full spectrum of natural disaster hazards.
Safest county in the region
Hardeman County's risk profile significantly outperforms surrounding West Texas and Panhandle counties, offering exceptional natural disaster resilience. Its geographic isolation and high plains terrain minimize exposure to multiple hazard types.
Wildfire and tornado are minor concerns
Hardeman County's primary hazards are wildfire at 62.02 and tornado risk at 35.11, both well below state and national averages. Earthquake and hurricane risks remain minimal, making the county exceptionally stable for long-term planning.
Basic coverage sufficient for this region
While Hardeman County's disaster risk is minimal, standard homeowner's insurance with wildfire and wind provisions offers adequate protection. Use your lower-risk status to maintain competitive insurance rates and focus on routine property maintenance.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Hardeman County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Hardeman County
Risk Verdict
At the 9th percentile nationally, Hardeman County experiences relatively limited natural hazard pressure compared to most of the country. At the 9th percentile, Hardeman County's risk profile is among the more manageable in the country — the hazard-specific breakdown above shows where any remaining preparedness focus is best directed.
Hazard Breakdown
Wildfire risk is Hardeman County's dominant natural hazard, ranked at the 62th percentile nationally under FEMA's National Risk Index. Tornado ranks second at the 35th percentile nationally. Additional tracked hazards include earthquake (23th percentile), hurricane (22th percentile), flood (4th percentile).
Preparedness Context
Hardeman County's dominant hazard is wildfire, ranked at the 62th percentile nationally. Maintaining at least 30 feet of lean, clean vegetation around structures in Hardeman County and keeping gutters clear of debris significantly reduces ignition risk from wind-driven embers. A secondary tornado exposure at the 35th percentile nationally means Hardeman County residents face hazards from two distinct natural peril categories during different seasons. Hardeman County's households benefit from reviewing homeowners insurance before fire season, specifically whether the policy covers replacement cost rather than actual cash value, and whether it includes additional living expenses if displacement is required.
Regional Context
A composite score 40.3 points below the Texas state average puts Hardeman County in a better-than-typical position relative to neighboring counties.
Is your household prepared for Hardeman County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Hardeman County, TX?
What types of natural hazards affect Hardeman County?
How does Hardeman County risk compare to the Texas average?
Is Hardeman County at risk for wildfire?
How is natural disaster risk measured?
Is Hardeman 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.