Risk Index · Lubbock County · 2026-06-13
Lubbock, TX real-estate risk
- Risk score
- 96.2/100
- Relatively High
- Expected annual loss
- $214M
- all hazards, county-wide
- Buildings-only loss
- $95M
- what owners and insurers carry
- Population
- 310K
- Lubbock County
Lubbock, TX (Lubbock County) carries a FEMA National Risk Index score of 96.2/100, rated "Relatively High" and driven mainly by strong wind and hail, with roughly $214M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Strong wind99.8
- Hail99.8
- Drought99.8
- Tornado98.8
- Riverine flood92.1
- Wildfire86.2
- Heat wave80.6
- Earthquake60.4
- Hurricane47.2
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.
Lubbock risk questions
Is Lubbock, TX a high-risk area for real estate?
Lubbock scores 96.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $214M per year.
What is the biggest natural hazard in Lubbock?
The highest-rated hazard is strong wind (99.8/100), followed by hail (99.8/100).
How does hazard risk affect property insurance in Lubbock?
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.