Risk Index · El Paso County · 2026-06-13
El Paso, TX real-estate risk
- Risk score
- 95.5/100
- Relatively High
- Expected annual loss
- $121M
- all hazards, county-wide
- Buildings-only loss
- $86M
- what owners and insurers carry
- Population
- 864K
- El Paso County
El Paso, TX (El Paso County) carries a FEMA National Risk Index score of 95.5/100, rated "Relatively High" and driven mainly by hail and heat wave, with roughly $121M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail99.6
- Heat wave98.7
- Riverine flood96.8
- Drought96
- Strong wind95.4
- Earthquake92.1
- Wildfire71
- Hurricane41.1
- Tornado34.8
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.
El Paso risk questions
Is El Paso, TX a high-risk area for real estate?
El Paso scores 95.5/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $121M per year.
What is the biggest natural hazard in El Paso?
The highest-rated hazard is hail (99.6/100), followed by heat wave (98.7/100).
How does hazard risk affect property insurance in El Paso?
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.