Risk Index · Dallas County · 2026-06-13
Dallas, TX real-estate risk
- Risk score
- 99.7/100
- Very High
- Expected annual loss
- $973M
- all hazards, county-wide
- Buildings-only loss
- $539M
- what owners and insurers carry
- Population
- 2.6M
- Dallas County
Dallas, TX (Dallas County) carries a FEMA National Risk Index score of 99.7/100, rated "Very High" and driven mainly by hail and heat wave, with roughly $973M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail100
- Heat wave99.9
- Tornado99.8
- Riverine flood99.6
- Strong wind98.5
- Earthquake91.3
- Wildfire80.3
- Hurricane73.6
- Drought34.2
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Dallas risk questions
Is Dallas, TX a high-risk area for real estate?
Dallas scores 99.7/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $973M per year.
What is the biggest natural hazard in Dallas?
The highest-rated hazard is hail (100/100), followed by heat wave (99.9/100).
How does hazard risk affect property insurance in Dallas?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.