Terrell County Disaster Risk
Terrell County, Texas
FEMA Risk Rating
Very Low
National Percentile
0th
of 3,144 counties
State Rank
#252
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 47% of US counties
Tornado
Tornado and severe thunderstorm risk
Very Low
Higher than 5% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 2% of US counties
Hurricane
Tropical cyclone and hurricane risk
Very Low
Higher than 10% of US counties
Risk Overview
About Natural Disaster Risk in Terrell County, Texas
Terrell ranks among America's safest
Terrell County's composite risk score of 0.41 represents one of the lowest natural disaster risk profiles in the nation. This remote far-West Texas county experiences minimal exposure to major natural hazards.
Texas's safest county by far
At 0.41, Terrell County achieves the lowest composite risk score in Texas by a substantial margin, dramatically below the state average of 49.00. Few Americans live in counties with such minimal natural disaster exposure.
Terrell leads all nearby counties
Terrell's 0.41 score is unmatched among its regional peers, outpacing even Throckmorton (3.31), Stonewall (3.82), and Sutton (7.06). This remote county's isolation contributes significantly to its exceptional safety profile.
Wildfire is the only notable concern
Wildfire risk at 46.69 is Terrell's only hazard approaching regional norms; all other scores remain minimal. Flood (3.72), tornado (4.80), earthquake (1.56), and hurricane (10.14) risks are negligible by any standard.
Minimal coverage requirements sufficient
Terrell residents can rely on basic homeowners insurance without specialized riders given the county's exceptional safety profile. A simple fire protection clause addresses the modest wildfire exposure that exists.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Terrell County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Terrell County
Risk Verdict
Terrell County's overall natural disaster score at the 0th percentile puts it well below the national median for hazard exposure. Residents of Terrell County can use the 0th percentile ranking as a baseline, while recognizing that individual properties may still lie in specific hazard zones that differ from the county average.
Hazard Breakdown
Wildfire risk is Terrell County's dominant natural hazard, ranked at the 47th percentile nationally under FEMA's National Risk Index. Hurricane ranks second at the 10th percentile nationally. Additional tracked hazards include tornado (5th percentile), flood (4th percentile), earthquake (2th percentile).
Preparedness Context
With wildfire ranked at the 47th percentile nationally, Terrell County is in a zone where air quality can deteriorate rapidly before structures are threatened. An N95 respirator and a HEPA air purifier are practical items for Terrell County households to have on hand before fire season. A secondary hurricane exposure at the 10th percentile nationally means Terrell County residents face hazards from two distinct natural peril categories during different seasons. Defensible space, insurance review, and an evacuation plan are the three preparedness pillars for Terrell County households — and the insurance review is the one most often deferred by Terrell County residents and most costly to skip when a fire event actually occurs.
Regional Context
Terrell County's composite risk score sits 48.6 points below the Texas county average, reflecting a more favorable hazard environment than the state typical.
Is your household prepared for Terrell County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Terrell County, TX?
What types of natural hazards affect Terrell County?
How does Terrell County risk compare to the Texas average?
Is Terrell County at risk for wildfire?
How is natural disaster risk measured?
Is Terrell 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.