riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Mills County Disaster Risk

Mills County, Texas

FEMA Risk Rating

Very Low

National Percentile

6th

of 3,144 counties

State Rank

#230

of 254 (1 = highest risk)

Flood Risk

11th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 11% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 76% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 29% of US counties

Earthquake

Seismic activity and ground shaking risk

Very Low

Higher than 3% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 33% of US counties

Risk Overview

About Natural Disaster Risk in Mills County, Texas

Mills enjoys exceptional disaster safety

Mills County's composite risk score of just 5.60 places it firmly in the Very Low category, far below the national average of roughly 50. This Central Texas county represents one of the nation's safest zones for natural disaster exposure.

Among Texas's lowest-risk counties

Mills's score of 5.60 is just a fraction of Texas's state average of 49.00, ranking it among the state's safest counties. The county's geographic position and population density create an inherently protective disaster environment.

Safer than all but Menard nearby

Mills's score of 5.60 significantly undercuts nearby Medina County (68.70) and McLennan County (91.22), placing it among the region's safest zones. Only Menard County (3.05) rivals Mills's exceptionally low exposure.

Wildfire represents the main exposure

Wildfire risk at 76.46 is Mills's highest hazard metric, though still moderate in the broader county context. All other disaster types—flood, tornado, earthquake, hurricane—remain very low throughout the county.

Standard coverage handles your risk

Mills residents can rely on basic homeowners insurance without specialized hazard add-ons for most disaster exposure. Focus on wildfire prevention through property maintenance and vegetation management rather than expensive insurance riders.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Mills County

Top Hazards by Exposure

  1. #1
    WildfirePrepare
    76th percentile
  2. #2
    HurricanePrepare
    33th percentile
  3. #3
    TornadoPrepare
    29th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Local Resources

Risk Advisory: Mills County

Risk Verdict

Mills County carries a low natural disaster risk burden, scoring at the 6th percentile under the FEMA National Risk Index. Even at the 6th percentile, Mills County's composite score reflects real hazard exposure categories — knowing which ones apply locally enables targeted, efficient household preparedness.

Hazard Breakdown

Wildfire risk is Mills County's dominant natural hazard, ranked at the 76th percentile nationally under FEMA's National Risk Index. Hurricane ranks second at the 33th percentile nationally. Additional tracked hazards include tornado (29th percentile), flood (11th percentile), earthquake (3th percentile).

Preparedness Context

Wildfire ranks as Mills County's primary hazard at the 76th percentile nationally. For Mills 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. Alongside wildfire, hurricane at the 33th percentile nationally means a multi-season preparedness mindset — fire season and flood or storm season often require different household plans. Mills 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, Mills County's composite score runs 43.4 points lower — a gap that reflects the county's relatively modest hazard profile within its state context.

Is your household prepared for Mills County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Mills County, TX?
Mills County has a FEMA National Risk Index rating of Very Low, placing it in the 6th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Mills County?
Mills County is evaluated for five major natural hazard types: wildfire (76th percentile), hurricane (33th percentile), tornado (29th percentile), flooding (11th percentile), earthquake (3th percentile). The highest-risk hazard is wildfire at the 76th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Mills County risk compare to the Texas average?
Mills County's composite risk percentile is 6th, compared to the Texas state average of 49th percentile. The state's overall risk rating is Relatively Low. This means Mills County faces lower natural disaster risk than the typical county in Texas.
Is Mills County at risk for wildfire?
Yes, Mills County's wildfire risk is at the 76th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Mills County is at the 11th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Mills County a safe place to live?
Mills County's composite risk score of 6th percentile is below the Texas state average of 49th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is wildfire at the 76th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Borden County

Texas

+0.1

Very Low

6th percentile

Edwards County

Texas

+0.1

Very Low

6th percentile

Crockett County

Texas

+0.2

Very Low

6th percentile

By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

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.

Explore more data for Mills County

Property TaxCost of LivingCrime RateIncomeHealthSchoolsWater QualityWeatherCounty Score