Hardin County Disaster Risk
Hardin County, Texas
FEMA Risk Rating
Relatively Low
National Percentile
70th
of 3,144 counties
State Rank
#83
of 254 (1 = highest risk)
Flood Risk
67th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Relatively Low
Higher than 67% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Moderate
Higher than 83% of US counties
Tornado
Tornado and severe thunderstorm risk
Moderate
Higher than 85% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 31% of US counties
Hurricane
Tropical cyclone and hurricane risk
Moderate
Higher than 87% of US counties
Risk Overview
About Natural Disaster Risk in Hardin County, Texas
Hardin County faces significant disaster risk
Hardin County's composite risk score of 69.56 exceeds the national average by 40%, earning a Relatively Low rating that masks serious exposure to multiple hazards. The Southeast Texas county experiences critical vulnerability to hurricanes, tornadoes, and flooding.
High-risk county in Texas
Hardin County ranks well above the Texas state average of 49.00 with a composite score of 69.56, placing it among the state's higher-risk counties. Its proximity to the Gulf Coast and riverine environments create overlapping disaster exposure.
Riskier than most Southeast Texas peers
Hardin County's disaster profile exceeds that of several neighboring Southeast Texas counties, with particularly acute hurricane and tornado exposure. Its combined flood and storm risk is among the region's highest.
Hurricanes, tornadoes, and floods converge
Hardin County faces a triple threat: hurricane risk of 87.15, tornado risk of 85.05, and flood risk of 66.67—all critically high. The county's location on the Texas Gulf Coast and within major waterway systems creates compound disaster risk that demands serious preparation.
Comprehensive coverage is non-negotiable
Hardin County residents must carry robust hurricane, flood, and tornado coverage to protect against the county's converging hazards. Standard policies often exclude flood damage—purchase separate flood insurance now, as claims surge during active seasons.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Hardin County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Hardin County
Risk Verdict
Hardin County's FEMA risk score places it at the 70th percentile nationally, indicating lower-than-typical exposure for a U.S. county. A moderate composite score often means one or two hazard categories are doing the heavy lifting — knowing which ones matters for preparation.
Hazard Breakdown
Hurricane risk is Hardin County's dominant natural hazard, ranked at the 87th percentile nationally under FEMA's National Risk Index. Tornado ranks second at the 85th percentile nationally. Additional tracked hazards include wildfire (83th percentile), flood (67th percentile), earthquake (31th percentile).
Preparedness Context
With hurricane ranked at the 87th percentile nationally, Hardin County sits in a zone where multi-day supply readiness matters: grid outages after landfalling storms can last one to three weeks in heavily affected areas. Hardin County's tornado exposure at the 85th percentile nationally adds a hazard layer that can persist or intensify after hurricane-force winds have passed, particularly in low-lying inland areas. Insurance gaps are the most common post-hurricane financial shock: standard homeowners policies typically exclude flood damage and may have a separate wind deductible. Hardin County households benefit from a pre-season insurance review confirming both wind and flood coverage.
Regional Context
The Texas county average is 20.6 composite points below Hardin County's score, a gap that reflects the county's elevated position in the state's hazard distribution.
Is your household prepared for Hardin County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Hardin County, TX?
What types of natural hazards affect Hardin County?
How does Hardin County risk compare to the Texas average?
Is Hardin County at risk for hurricane?
How is natural disaster risk measured?
Why is Hardin County higher risk than average?
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.