Storm risk in Bowie County, Texas
FEMA's overall hazard score for Bowie County is 79.01 (Relatively Low), 661st of 3,144 counties. Hail scores 98.16 (Relatively High), strong wind 53.53 (Relatively Moderate) and tornado 93.73 (Relatively High). Expected hail loss is $315 per $1 million of buildings a year; NOAA logged 62 hail reports in Bowie County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- Bowie County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates Bowie County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in TX |
|---|---|---|---|---|
| Overall | Relatively Low | 79.01 | 661 of 3,144 | 56 of 254 |
| Hail | Relatively High | 98.16 | 59 of 3,126 | 19 of 254 |
| Strong wind | Relatively Moderate | 53.53 | 1,462 of 3,126 | 112 of 254 |
| Tornado | Relatively High | 93.73 | 198 of 3,126 | 31 of 254 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $5,374,970 | $315 | $85 | $22 | 76 of 3,126 | 20 of 254 |
| Strong wind | $349,126 | $20 | $26 | $20 | 1,556 of 3,121 | 151 of 254 |
| Tornado | $8,455,769 | $496 | $269 | $199 | 422 of 3,144 | 51 of 254 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in Bowie County
- FEMA expects hail in Bowie County to cost $315 per $1 million of buildings a year: 14.10 times the U.S. median and 3.70 times the TX county median, ranked 76th of 3,126 counties nationally and 20th of 254 in Texas.
- FEMA expects strong wind in Bowie County to cost $20 per $1 million of buildings a year: 1.00 times the U.S. median and 0.77 times the TX county median, ranked 1,556th of 3,121 counties nationally and 151st of 254 in Texas.
- FEMA expects tornado in Bowie County to cost $496 per $1 million of buildings a year: 2.49 times the U.S. median and 1.84 times the TX county median, ranked 422nd of 3,144 counties nationally and 51st of 254 in Texas.
- Applying FEMA's estimate to a $161,300 home, the average yearly loss in Bowie County is about $51 for hail and $3.30 for wind before any deductible; at the U.S. median county rates it would be $3.60 and $3.29.
- If the next years look like 2014 to 2025, a roof kept 20 years in Bowie County meets about 43.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1985, the median home in Bowie County is 41 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 77.0% of its 39,791 homes are at least 26 years old.
- March to June holds 53 of the 62 hail reports in Bowie County (85 percent); the quietest month is July, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies Bowie County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × Bowie County yearly loss ÷ building value. Hail: $5,374,970 ÷ $17,061,156,044 = 0.0003150. Wind: $349,126 ÷ $17,061,156,044 = 0.0000205. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
Bowie County in plain numbers
- Bowie County scores 79.01 in FEMA's overall hazard index (Relatively Low): 661st of 3,144 rated counties and 56th of 254 in Texas.
- Hail scores 98.16 (Relatively High). FEMA expects $5,374,970 of hail damage to buildings in Bowie County a year, which is $315 per $1 million of buildings, 14.10 times the U.S. median.
- Strong wind scores 53.53 (Relatively Moderate) with $349,126 of expected yearly building loss in Bowie County: $20 per $1 million of buildings, 1.00 times the U.S. median.
- Tornado scores 93.73 (Relatively High) and FEMA's expected yearly tornado loss is $8,455,769, counting everything exposed, or $496 per $1 million of buildings in Bowie County.
- FEMA's own event record for Bowie County averages 5.18 hail events and 4.95 strong-wind events a year.
- NOAA logged 62 hail reports in Bowie County between 2014 and June 2026, on 26 days with stones of 1 inch or more; the largest was 1.75 inches.
- In Bowie County, FEMA counts buildings worth 17.06 billion dollars and 92,789 residents.
- Social vulnerability is Relatively High in Bowie County.
- Community resilience there is Relatively Moderate, for 92,789 residents.
- 1 city in Bowie County is covered on this site: Texarkana. 9 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Texarkana is $5,670 to $12,555.
- Bowie County ranks 9 of the 194 counties with a page here for hail loss per $1 million of buildings, 60 for wind and 25 for tornado.
- In Bowie County, May is the busiest month with 20 of the 62 reports (32 percent), against 2 reports in November.
- Bowie County's worst year was 2014, with 4 hail days at 1 inch or more and 9 reports. At the 2014 to 2025 pace that is 2.17 such days a year, one about every 5.5 months.
- The median home in Bowie County was built in 1985; 42.4% of its 39,791 housing units date from before 1980, 77.0% from before 2000 and 11.7% from 2010 on.
- Census puts the median home value in Bowie County at $161,300, and 62.7% of homes are lived in by their owners.
- 990 single-family building permits were issued in Bowie County from 2014 to 2025, about 24.9 per 1,000 homes, peaking in 2021.
- NOAA lists 12 tornado tracks in Bowie County since 2014; the strongest was an EF3 on November 4, 2022 near Bassett, 15.65 miles long.
- The fastest gust in NOAA's records for Bowie County is 96 mph on May 9, 2016 at Nash.
- The nearest county with a page here is Gregg County, 70 miles from the centre of Bowie County; its hail score is 95.20.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 7 roofing contractor establishments in Bowie County in 2023, one for every 5,684 homes.
- FEMA has named Bowie County in 6 disaster declarations since 2014, the latest 798 days before its data end, and 3 of them were storm-type.
The hail record of Bowie County, year by year
NOAA logged 62 reports in Bowie County; hail of 1 inch or more fell on 26 days. That is 2.2 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: May, 20 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 9 | 4 | 2 | 1.75 in | – |
| 2015 | 5 | 2 | 1 | 1.75 in | – |
| 2016 | 16 | 2 | 1 | 1.75 in | – |
| 2017 | 1 | 1 | 0 | 1 in | – |
| 2018 | 3 | 2 | 1 | 1.75 in | – |
| 2019 | 4 | 2 | 0 | 1.25 in | – |
| 2020 | 1 | 1 | 0 | 1 in | – |
| 2021 | 8 | 4 | 0 | 1.5 in | – |
| 2022 | 3 | 2 | 0 | 1.25 in | – |
| 2023 | 9 | 3 | 1 | 1.75 in | – |
| 2024 | 2 | 2 | 0 | 1 in | – |
| 2025 | 1 | 1 | 1 | 1.75 in | – |
Biggest hail days in Bowie County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| May 9, 2016 | 1.75 in | 8 | none recorded | De Kalb |
| June 26, 2023 | 1.75 in | 5 | none recorded | Hooks |
| May 9, 2015 | 1.75 in | 4 | none recorded | New Boston |
| March 28, 2014 | 1.75 in | 3 | none recorded | Simms |
| June 8, 2014 | 1.75 in | 2 | none recorded | Texarkana |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside Bowie County the big stones fell.
Reported hail locations, Bowie County
- 321 to 1.74 in
- 91.75 to 2.74 in, golf ball to tennis ball
- 02.75 in and up, baseball
Largest plotted stone: 1.75 in. Bigger dots are bigger stones.
41 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for Bowie County
Fastest gusts in Bowie County
| Date | Gust | Near |
|---|---|---|
| May 9, 2016 | 96 mph | Nash |
| May 9, 2016 | 96 mph | Red Spgs |
| May 9, 2016 | 90 mph | Hooks |
| May 9, 2016 | 90 mph | Nash |
Strongest tornado tracks in Bowie County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| November 4, 2022 | EF3 | 15.65 mi | 0 / 0 | Bassett |
| January 21, 2018 | EF2 | 7.06 mi | 0 / 0 | College Hill |
| March 4, 2025 | EF1 | 18.87 mi | 0 / 0 | Dalby Spgs |
| March 4, 2025 | EF1 | 16.89 mi | 0 / 0 | Hodgson |
12 tornado tracks in all since 2014; the strongest 4 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Bowie County’s 2014 to 2025 pace of 2.17 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 39,791 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1985 |
| Built before 1980 | 42.4% |
| Built before 2000 | 77.0% |
| Built since 2010 | 11.7% |
| Owner-occupied | 62.7% |
| Median home value | $161,300 |
| Single-family permits, 2014 to 2025 | 990 |
| Permits per 1,000 homes | 24.9 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in Bowie County
Roofing firms in Bowie County
| Roofing contractor establishments, 2023 | 7 |
| Change since 2016 | +7 |
| Homes per roofing firm | 5,684 |
| Median across counties | 5,189 |
| Employees, 2023 | 19 |
Source for Bowie County: Census County Business Patterns, NAICS 238160.
FEMA disaster declarations naming Bowie County since 2014
| Declarations naming Bowie County | 6 |
| Storm / flood / winter / fire | 3 / 1 / 2 / 0 |
| Median TX county | 4 |
| Rank among 174 TX counties | 42 |
| Days from the latest to the data cutoff | 798 |
Source for Bowie County: OpenFEMA, data to 2026-09-15. Declaration list for Bowie County.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Bowie County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| Gregg County, TX | 70 | Relatively Moderate | $91 | 0.29 | $13 | 0.66 | 50 |
| Smith County, TX | 90 | Relatively Moderate | $22 | 0.07 | $3.21 | 0.16 | 131 |
| Tarrant County, TX | 175 | Relatively High | $314 | 1.00 | $1.55 | 0.08 | 541 |
| McLennan County, TX | 211 | Relatively Moderate | $20 | 0.06 | $8.67 | 0.42 | 137 |
| Brazos County, TX | 226 | Relatively Moderate | $33 | 0.10 | $7.79 | 0.38 | 85 |
| Bell County, TX | 247 | Relatively Moderate | $144 | 0.46 | $9.20 | 0.45 | 145 |
More Texas counties, nearest first
- Jefferson County 250 mi
- Harris County 259 mi
- Taylor County 329 mi
- Victoria County 358 mi
- Tom Green County 394 mi
- Lubbock County 428 mi
- Potter County 447 mi
- Midland County 458 mi
- Ector County 487 mi
- Webb County 500 mi
- Hidalgo County 540 mi
- Cameron County 541 mi
Cities and ZIP areas in Bowie County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 9 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Texarkana | 75501 (100%), 75503 (100%), 71854 (0%), 71860 (0%), 75503 (100%) | Roofers |
Storm hit your roof in Bowie County? A free inspection tells you if there is damage. One local roofer answers, not five.
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How high is storm risk in Bowie County?
FEMA's National Risk Index gives Bowie County an overall score of 79.01 (Relatively Low), 661st of 3,144. Hail scores 98.16 (Relatively High), strong wind 53.53 (Relatively Moderate) and tornado 93.73 (Relatively High).
In Bowie County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 62 for Bowie County between 2014 and June 2026, on 26 days with hail of 1 inch or more; the largest stone was 1.75 inches.
What do hail and wind cost a home in Bowie County each year, on average?
Applying FEMA's county rates to its median home value of $161,300: FEMA's estimate is about $51 a year for hail and $3.30 for wind, before any deductible, against $3.60 and $3.29 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does Bowie County compare with the rest of Texas?
Per $1 million of buildings Bowie County loses $315 to hail a year, against $85 in the median county of the state. Among 254 rated counties it is 19th for hail, 112th for strong wind and 31st for tornado.
How old are the roofs in Bowie County?
The median home was built in 1985, 41 years ago, and 77.0% of the 39,791 housing units in Bowie County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for Bowie County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Bowie County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Bowie County; Census County Business Patterns, roofing firms in Bowie County; OpenFEMA, declarations naming Bowie County. Planning-level information about Bowie County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset 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).