Loving County, Texas: Natural Disaster Risk and History
Loving County, Texas has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 0.0 out of 100, among the lowest of all US counties, with hurricanes, wildfires and ice storms scoring highest of its 18 hazards and $58,037 a year in expected losses.
OpenFEMA lists 9 federal disaster declarations that included Loving County since 1998, not counting 2 for COVID-19; the latest is DR-4586-TX (Severe Winter Storms, declared 19 February 2021). NOAA's Storm Prediction Center recorded 6 tornadoes touching Loving County from 1950 to 2025.
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Population 64 Buildings worth $57 million Area 683 sq mi Risk rank in Texas 254 of 254 FIPS 48301
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Hurricane | Very Low | 7.0 | $52 | about once every 174 years | 2 |
| Wildfire | Very Low | 5.0 | $1,765 | rarer than once in 1,000 years | — |
| Ice storm | Very Low | 4.3 | $2,039 | about once every 2.2 years | 30 |
| Cold wave | Very Low | 3.3 | $847 | about once every 2.4 years | 8.1 |
| Heat wave | Very Low | 2.6 | $720 | about 5.4 a year | 99 |
| Hail | Very Low | 2.3 | $3,699 | about 2.1 a year | 81 |
| Strong wind | Very Low | 2.1 | $10,902 | about once every 1.4 years | 27 |
| Tornado | Very Low | 1.8 | $2,457 | about once every 6.3 years | 7 |
| Winter weather | Very Low | 1.6 | $616 | about 4.9 a year | 94 |
| Earthquake | Very Low | 0.3 | $345 | rarer than once in 1,000 years | — |
| Inland flooding | Very Low | 0.2 | $34,003 | about once every 2.5 years | 11 |
| Lightning | Very Low | 0.1 | $594 | about 44 a year | 6,933 strikes |
| Landslide | Very Low | 0.0 | — | about once every 27 years | — |
| Drought | No Rating | 0.0 | — | about 77 a year | 1,939 |
| Avalanche | Not Applicable | — | — | — | — |
| Coastal flooding | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic activity | Not Applicable | — | — | — | — |
Score: FEMA's percentile among US counties that face the hazard (higher = more risk). Expected loss: FEMA's modelled average yearly loss to buildings, people (as a statistical value) and crops. How often: FEMA's annualised frequency of the hazard in the county; for some hazards it counts event-days, so it is a rough guide, not a forecast. "Not Applicable" means FEMA does not model that hazard here.
Federal disaster declarations 9
Most common: Fire 3, Hurricane 3, Severe Ice Storm 2, Severe Storm 1.
| Decade | Declarations | Incident types |
|---|---|---|
| 1990s | 2 | Fire, Severe Storm |
| 2000s | 5 | Hurricane ×3, Fire ×2 |
| 2020s | 2 | Severe Ice Storm ×2 |
The last 9
Widest declarations that included Loving County
- Severe Winter Storms (2021, DR-4586-TX): 254 Texas counties designated.
- Severe Winter Storm (2021, EM-3554-TX): 254 Texas counties designated.
- Extreme Wildfire Threat (2006, DR-1624-TX): 254 Texas counties designated.
Named storms in its declarations: Hurricane Rita (2005), Hurricane Katrina (2005), Tropical Storm Charley (1998).
Not counted above: 2 COVID-19 ("Biological") declarations — in 2020 every US county was included. Texas also had 101 statewide declarations with no county list.
Tornado record since 1950 6
| Tornadoes touching the county | 6 |
|---|---|
| Strongest-rated | (E)F2 ×1 |
| Peak month | April (2) |
| Deadliest | — |
| Longest path | 13 Mar 2020, unrated, 9 mi path |
| Most recent | 13 Mar 2020, unrated, 9 mi path |
| Deaths / injuries on those paths | 0 / 0 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 4 | 0 | 1 | 0 | 0 | 0 | 1 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 1 | 0 | 0 | 0 | 3 | 1 | 0 | 1 |
Deaths and injuries are for each tornado's whole path, which can run beyond this county. F-scale ratings before February 2007, Enhanced Fujita (EF) after.
How Loving County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Loving County (this page) | — | Very Low | 0.0 | Hurricane |
| Winkler County | 50 km | Very Low | 4.1 | Drought |
| Ward County | 59 km | Very Low | 15.4 | Wildfire |
| Reeves County | 59 km | Very Low | 19.1 | Drought |
| Eddy County, NM | 97 km | Relatively Moderate | 83.7 | Winter weather |
| Ector County | 98 km | Relatively Moderate | 82.8 | Hail |
Nearest by distance between county centres. Every county in Texas, ranked.
Vulnerability and resilience
| Social vulnerability | Relatively Low 23.6 |
|---|---|
| Community resilience | Very Low 2.5 |
| Community risk factor | 0.95 |
| Expected annual loss, all hazards | $58,037 |
FEMA scales expected losses up where social vulnerability is high (people who may find it harder to prepare, evacuate or recover) and down where community resilience is high. A factor above 1 raises the risk score. For social vulnerability a high rating is worse; for resilience a high rating is better.
Prepare for Loving County's main hazards
- Right now: National Weather Service alerts for Texas · all official warnings on Global Incident Tracker.
- Hurricane: Is there a hurricane now? · Cyclone preparation
- Wildfire: US wildfires now · Wildfire smoke: what protects you
- Ice storm: Power outages now · Carbon monoxide in winter
- Your property's flood zone: FEMA Flood Map Service Center ↗ — this page cannot tell you that.
- Official preparedness guidance: Ready.gov ↗ and your county emergency management office.
What this page shows, and what it misses
FEMA's National Risk Index rates a whole county against every other US county; it is a planning-level estimate for nationwide comparison, not a flood-zone map and not a substitute for a local risk assessment or the risk to one home. Declarations are presidential disaster, emergency and fire management declarations that named this county; state declarations and SBA or USDA designations are not included. Tornadoes are counted when the county is one of up to four listed on the track; 670 tornadoes that crossed a state line carry no county list in NOAA's file and are left out.
Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.
Questions about Loving County
What natural disasters is Loving County, Texas most at risk from?
Loving County, Texas has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 0.0 out of 100, among the lowest of all US counties, with hurricanes, wildfires and ice storms scoring highest of its 18 hazards and $58,037 a year in expected losses.
How many federal disaster declarations has Loving County had?
OpenFEMA lists 9 federal disaster declarations that included Loving County since 1998, not counting 2 for COVID-19; the latest is DR-4586-TX (Severe Winter Storms, declared 19 February 2021). Another 101 Texas declarations were made statewide without a county list.
How many tornadoes have hit Loving County?
NOAA's Storm Prediction Center recorded 6 tornadoes touching Loving County from 1950 to 2025.
Is the National Risk Index a flood zone map?
No. The National Risk Index is a planning-level estimate for a whole county, built for nationwide comparison. It does not tell you the flood zone or the risk of a single property: for that, look up the address on FEMA's Flood Map Service Center (msc.fema.gov) and ask your local floodplain manager.