Risk Index · Tarrant County · 2026-06-13
Fort Worth, TX real-estate risk
- Risk score
- 99.1/100
- Relatively High
- Expected annual loss
- $608M
- all hazards, county-wide
- Buildings-only loss
- $411M
- what owners and insurers carry
- Population
- 2.1M
- Tarrant County
Fort Worth, TX (Tarrant County) carries a FEMA National Risk Index score of 99.1/100, rated "Relatively High" and driven mainly by hail and tornado, with roughly $608M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail100
- Tornado99.9
- Heat wave99.5
- Riverine flood99.1
- Wildfire91.5
- Earthquake88.3
- Strong wind82.8
- Hurricane72.3
- Drought36.1
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.
Fort Worth risk questions
Is Fort Worth, TX a high-risk area for real estate?
Fort Worth scores 99.1/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $608M per year.
What is the biggest natural hazard in Fort Worth?
The highest-rated hazard is hail (100/100), followed by tornado (99.9/100).
How does hazard risk affect property insurance in Fort Worth?
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.