Somervell County Disaster Risk
Somervell County, Texas
FEMA Risk Rating
Very Low
National Percentile
11th
of 3,144 counties
State Rank
#213
of 254 (1 = highest risk)
Flood Risk
20th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Very Low
Higher than 20% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Moderate
Higher than 81% of US counties
Tornado
Tornado and severe thunderstorm risk
Very Low
Higher than 43% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 7% of US counties
Hurricane
Tropical cyclone and hurricane risk
Relatively Low
Higher than 43% of US counties
Risk Overview
About Natural Disaster Risk in Somervell County, Texas
Somervell: Very Low Risk Nationally
Somervell County's composite risk score of 10.81 ranks as very low, placing it far below the national average. Your county benefits from exceptionally low overall disaster exposure compared to most American counties.
Safest Among Texas Counties
At 10.81, Somervell ranks among Texas's lowest-risk counties, sitting 78% below the state average of 49.00. Only a handful of Texas counties enjoy comparable safety profiles.
Exceptionally Safe Locally
Somervell stands as one of the safest counties in central Texas, rivaled only by Sterling (1.11), Shackelford (1.43), and Stephens (9.22). Your location provides natural protection from major disaster corridors.
Wildfire Remains Top Concern
Wildfire risk (81.04) is Somervell's dominant hazard, reflecting the county's brushland and forest cover. Hurricane (42.93) and tornado (42.75) risks are moderate but substantially lower than your wildfire exposure.
Wildfire Insurance Is Priority
Despite low overall risk, Somervell residents should confirm their insurance covers wildfire damage, which standard homeowners policies often exclude. Create and maintain defensible space around your home, especially if located near vegetation.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Somervell County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Somervell County
Risk Verdict
Natural disaster exposure in Somervell County is lower than roughly three-quarters of U.S. counties, with a composite score at the 11th percentile. A 11th percentile score positions Somervell County among the nation's lower-risk counties, a genuinely favorable outcome — one that simple, low-cost preparedness habits can reinforce further.
Hazard Breakdown
Wildfire risk is Somervell County's dominant natural hazard, ranked at the 81th percentile nationally under FEMA's National Risk Index. Hurricane ranks second at the 43th percentile nationally. Additional tracked hazards include tornado (43th percentile), flood (20th percentile), earthquake (7th percentile).
Preparedness Context
At the 81th percentile nationally for wildfire, Somervell County residents should verify whether their insurance policy includes replacement cost coverage for structures and whether the insurer still writes new policies in this fire-risk zone. A secondary hurricane exposure at the 43th percentile nationally means Somervell County residents face hazards from two distinct natural peril categories during different seasons. Local USFS or Cal Fire (where applicable) fire risk maps and seasonal Red Flag Warning alerts from the National Weather Service are two free resources Somervell County residents can use to stay ahead of rapidly changing wildfire conditions.
Regional Context
Somervell County is 38.2 composite risk points below the Texas state mean, meaning most other Texas counties face higher natural hazard exposure.
Is your household prepared for Somervell County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Somervell County, TX?
What types of natural hazards affect Somervell County?
How does Somervell County risk compare to the Texas average?
Is Somervell County at risk for wildfire?
How is natural disaster risk measured?
Is Somervell 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.