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

Navarro County Disaster Risk

Navarro County, Texas

FEMA Risk Rating

Relatively Low

National Percentile

75th

of 3,144 counties

State Rank

#68

of 254 (1 = highest risk)

Flood Risk

68th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 68% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Moderate

Higher than 82% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 94% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 47% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 61% of US counties

Risk Overview

About Natural Disaster Risk in Navarro County, Texas

Navarro: Above-Average National Risk

Navarro County scores 75.25 on the national composite risk scale, ranking as "Relatively Low" but exceeding Texas's state average of 49.00 by over 50 percent. This north-central Texas county faces above-average exposure to multiple hazard types, particularly tornadoes and wildfires.

Upper-Range Risk Among Texas Counties

Navarro ranks in the upper-middle tier of Texas's 254 counties for natural disaster risk, positioned in an active tornado corridor between Dallas and central Texas. The county's risk profile places it among the state's more hazardous areas outside coastal and metropolitan zones.

Notably Riskier Than Regional Peers

Navarro's score of 75.25 exceeds most neighboring north-central Texas counties, reflecting its position in a particularly active tornado belt. The county faces higher multi-hazard exposure than adjacent rural counties, driven by its tornado corridor location.

Tornado and Wildfire Lead Threat List

Navarro County faces exceptional tornado risk at 94.05 and significant wildfire risk at 82.28, creating a dangerous spring and summer threat profile. Flood risk reaches 68.29, while hurricane risk (61.45) and earthquake risk (47.33) present secondary concerns.

Storm and Fire Coverage Paramount

Navarro residents should prioritize homeowners insurance with windstorm coverage and consider separate wildfire protection for properties in rural or forested areas. Create a household emergency plan with a tornado shelter or safe room, clear defensible space around your home, and maintain flood insurance if in a high-risk zone.

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

Preparedness Guide

What to Prepare for in Navarro County

Top Hazards by Exposure

  1. #1
    TornadoPrepare
    94th percentile
  2. #2
    WildfirePrepare
    82th percentile
  3. #3
    FloodPrepare
    68th percentile

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

Local Resources

Risk Advisory: Navarro County

Risk Verdict

Navarro County has a below-average natural disaster risk profile, scoring at the 75th percentile nationally under FEMA's National Risk Index. This risk level calls for more than general awareness: insurance coverage review, a family communication plan, and a prepared go-bag are practical priorities.

Hazard Breakdown

Tornado risk is Navarro County's dominant natural hazard, ranked at the 94th percentile nationally under FEMA's National Risk Index. Wildfire ranks second at the 82th percentile nationally. Additional tracked hazards include flood (68th percentile), hurricane (61th percentile), earthquake (47th percentile).

Preparedness Context

Tornado risk is Navarro County's top-ranked natural hazard at the 94th percentile nationally. For Navarro County households, the most protective action available is identifying a reinforced interior room on the lowest floor — a bathroom, closet, or central hallway away from windows. Alongside tornado exposure, wildfire at the 82th percentile nationally means Navarro County households face multi-hazard severe-weather seasons that benefit from a single integrated emergency plan covering both threats. A battery-powered NOAA All Hazards weather radio with an auto-alert tone is the highest-leverage single item for tornado preparedness in Navarro County, since it delivers warnings even when power is out and phone networks are congested.

Regional Context

Navarro County's composite risk score sits 26.3 points above the Texas county average, placing it among the more hazard-exposed counties in the state.

Is your household prepared for Navarro 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 Navarro County, TX?
Navarro County has a FEMA National Risk Index rating of Relatively Low, placing it in the 75th 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 Navarro County?
Navarro County is evaluated for five major natural hazard types: tornado (94th percentile), wildfire (82th percentile), flooding (68th percentile), hurricane (61th percentile), earthquake (47th percentile). The highest-risk hazard is tornado at the 94th 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 Navarro County risk compare to the Texas average?
Navarro County's composite risk percentile is 75th, compared to the Texas state average of 49th percentile. The state's overall risk rating is Relatively Low. This means Navarro County faces higher natural disaster risk than the typical county in Texas.
Is Navarro County at risk for tornado?
Yes, Navarro County's tornado risk is at the 94th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Navarro County is at the 68th 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.
Why is Navarro County higher risk than average?
Navarro County's composite risk score of 75th percentile is above the Texas state average of 49th percentile. This elevated risk is driven by tornado exposure (94th percentile), along with wildfire and flooding and hurricane risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

Erath County

Texas

-0.3

Relatively Low

75th percentile

Wilson County

Texas

+0.3

Relatively Low

76th percentile

Polk County

Texas

+0.3

Relatively Low

76th 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.

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