Storm risk in Lubbock County, Texas

FEMA's overall hazard score for Lubbock County is 96.25 (Relatively High), 119th of 3,144 counties. Hail scores 99.78 (Very High), strong wind 99.78 (Very High) and tornado 98.79 (Relatively High). Expected hail loss is $455 per $1 million of buildings a year; NOAA logged 124 hail reports in Lubbock County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Lubbock County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of TX$0.1$1$10$100$1,000Hail: $455 per $1 million, 34th of 3,126 rated counties$455Hail34th of 3,126 countiesStrong wind: $250 per $1 million, 50th of 3,121 rated counties$250Strong wind50th of 3,121 countiesTornado: $570 per $1 million, 292nd of 3,144 rated counties$570Tornado292nd of 3,144 counties
  • Lubbock County, coloured by its FEMA rating
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  • 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 Lubbock County

HazardRatingScore (0 to 100)Rank in U.S.Rank in TX
OverallRelatively High 96.25119 of 3,14412 of 254
HailVery High 99.788 of 3,1265 of 254
Strong windVery High 99.788 of 3,1261 of 254
TornadoRelatively High 98.7939 of 3,12611 of 254

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$25,571,986$455 $85$22 34 of 3,1266 of 254
Strong wind$14,041,534$250 $26$20 50 of 3,12112 of 254
Tornado$32,043,360$570 $269$199 292 of 3,14434 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 Lubbock County

  • FEMA expects hail in Lubbock County to cost $455 per $1 million of buildings a year: 20.36 times the U.S. median and 5.35 times the TX county median, ranked 34th of 3,126 counties nationally and 6th of 254 in Texas.
  • FEMA expects strong wind in Lubbock County to cost $250 per $1 million of buildings a year: 12.26 times the U.S. median and 9.46 times the TX county median, ranked 50th of 3,121 counties nationally and 12th of 254 in Texas.
  • FEMA expects tornado in Lubbock County to cost $570 per $1 million of buildings a year: 2.86 times the U.S. median and 2.12 times the TX county median, ranked 292nd of 3,144 counties nationally and 34th of 254 in Texas.
  • Applying FEMA's estimate to a $199,600 home, the average yearly loss in Lubbock County is about $91 for hail and $50 for wind before any deductible; at the U.S. median county rates it would be $4.46 and $4.07.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Lubbock County meets about 105.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1984, the median home in Lubbock County is 42 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 68.9% of its 136,468 homes are at least 26 years old.
  • March to June holds 118 of the 124 hail reports in Lubbock County (95 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Lubbock 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.

$91hail, a year; $4.46 at the U.S. median county rate
$50strong wind, a year; $4.07 at the U.S. median county rate
$2,814hail and wind together over 20 years, at today’s rate

Formula: home value × Lubbock County yearly loss ÷ building value. Hail: $25,571,986 ÷ $56,202,683,434 = 0.0004550. Wind: $14,041,534 ÷ $56,202,683,434 = 0.0002498. 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.

Lubbock County in plain numbers

  • Lubbock County scores 96.25 in FEMA's overall hazard index (Relatively High): 119th of 3,144 rated counties and 12th of 254 in Texas.
  • Hail scores 99.78 (Very High). FEMA expects $25,571,986 of hail damage to buildings in Lubbock County a year, which is $455 per $1 million of buildings, 20.36 times the U.S. median.
  • Strong wind scores 99.78 (Very High) with $14,041,534 of expected yearly building loss in Lubbock County: $250 per $1 million of buildings, 12.26 times the U.S. median.
  • Tornado scores 98.79 (Relatively High) and FEMA's expected yearly tornado loss is $32,043,360, counting everything exposed, or $570 per $1 million of buildings in Lubbock County.
  • FEMA's own event record for Lubbock County averages 4.93 hail events and 2.21 strong-wind events a year.
  • NOAA logged 124 hail reports in Lubbock County between 2014 and June 2026, on 66 days with stones of 1 inch or more; the largest was 4.5 inches.
  • In Lubbock County, FEMA counts buildings worth 56.20 billion dollars and 309,719 residents.
  • Social vulnerability is Relatively Moderate in Lubbock County.
  • Community resilience there is Relatively Moderate, for 309,719 residents.
  • 1 city in Lubbock County is covered on this site: Lubbock. 20 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 Lubbock is $5,670 to $12,555.
  • Lubbock County ranks 7 of the 194 counties with a page here for hail loss per $1 million of buildings, 1 for wind and 17 for tornado.
  • In Lubbock County, May is the busiest month with 64 of the 124 reports (52 percent), against 0 reports in November.
  • Lubbock County's worst year was 2019, with 9 hail days at 1 inch or more and 28 reports. At the 2014 to 2025 pace that is 5.25 such days a year, one about every 2.3 months.
  • The median home in Lubbock County was built in 1984; 45.1% of its 136,468 housing units date from before 1980, 68.9% from before 2000 and 17.0% from 2010 on.
  • Census puts the median home value in Lubbock County at $199,600, and 55.3% of homes are lived in by their owners.
  • 20,666 single-family building permits were issued in Lubbock County from 2014 to 2025, about 151.4 per 1,000 homes, peaking in 2021.
  • NOAA lists 4 tornado tracks in Lubbock County since 2014; the strongest was an EFU on March 12, 2021 near Caldwell, 1.34 miles long.
  • The fastest gust in NOAA's records for Lubbock County is 115 mph on June 5, 2025 at Shallowater.
  • The nearest county with a page here is Midland County, 121 miles from the centre of Lubbock County; its hail score is 98.31.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 38 roofing contractor establishments in Lubbock County in 2023, one for every 3,591 homes.
  • FEMA has named Lubbock County in 4 disaster declarations since 2014, the latest 2034 days before its data end, and 2 of them were storm-type.

The hail record of Lubbock County, year by year

NOAA logged 124 reports in Lubbock County; hail of 1 inch or more fell on 66 days. That is 5.2 such days a year; the median county in NOAA’s file has 1.8.

Lubbock County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0510152025302014: 4 reports, 3 days at 1 inch or more, largest 2.5 inch142015: 9 reports, 7 days at 1 inch or more, largest 4.5 inch152016: 5 reports, 3 days at 1 inch or more, largest 1.5 inch162017: 5 reports, 4 days at 1 inch or more, largest 2.5 inch172018: 10 reports, 5 days at 1 inch or more, largest 3 inch182019: 28 reports, 9 days at 1 inch or more, largest 3 inch192020: 13 reports, 7 days at 1 inch or more, largest 3 inch202021: 4 reports, 3 days at 1 inch or more, largest 1.75 inch212022: 4 reports, 4 days at 1 inch or more, largest 1 inch222023: 5 reports, 4 days at 1 inch or more, largest 4.5 inch232024: 10 reports, 5 days at 1 inch or more, largest 1.75 inch242025: 22 reports, 9 days at 1 inch or more, largest 2.5 inch252026: 5 reports, 3 days at 1 inch or more, largest 1.75 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Lubbock County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 7 reports7MarApril: 15 reports15AprMay: 64 reports64MayJune: 32 reports32JunJuly: 3 reports3JulAugust: 1 reports1AugSeptember: 1 reports1SepOctober: 1 reports1OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 64 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20144312.5 in$2,000,000
20159734.5 in$200,250,000
20165301.5 in$325,000
20175412.5 in$6,000,000
201810513 in$30,010,000
201928963 in$1,512,000
202013753 in$100,000,000
20214311.75 in–
20224401 in–
20235434.5 in$50,000,000
202410521.75 in–
202522942.5 in–
2026 (to June)5311.75 in–

Biggest hail days in Lubbock County

DateLargest stoneReports that dayDamage reportedNear
June 23, 20234.5 in2$50,000,000Wolfforth
May 8, 20154.5 in1$200,000,000Woodrow
June 24, 20193 in5none recordedNew Deal
May 19, 20183 in3$30,010,000Slide
May 20, 20203 in1$100,000,000Woodrow

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Lubbock County the big stones fell.

Reported hail locations, Lubbock County

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  • 621 to 1.74 in
  • 341.75 to 2.74 in, golf ball to tennis ball
  • 102.75 in and up, baseball

Largest plotted stone: 4.5 in. Bigger dots are bigger stones.

106 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Lubbock County

Fastest gusts in Lubbock County

DateGustNear
June 5, 2025115 mphShallowater
June 25, 2026110 mphSlaton
June 7, 201496 mphWolfforth
July 14, 201690 mphLubbock

Strongest tornado tracks in Lubbock County

DateScaleLengthInjured / killedNear
March 12, 2021EFU1.34 mi0 / 0Caldwell
September 2, 2018EFU0.05 mi0 / 0Lubbock Airpark
June 5, 2025EF21.01 mi0 / 0(Ree)Reese Afb Lubbo
June 5, 2025EF12.58 mi0 / 0(Ree)Reese Afb Lubbo

4 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 Lubbock County’s 2014 to 2025 pace of 5.25 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Lubbock County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 2.6% of homes2.6%<19404781940s: 3.1% of homes3.1%1940s4251950s: 11.1% of homes11.1%1950s3731960s: 12.6% of homes12.6%1960s3201970s: 15.7% of homes15.7%1970s2681980s: 13.0% of homes13%1980s2151990s: 10.8% of homes10.8%1990s1632000s: 14.1% of homes14.1%2000s1102010s: 15.3% of homes15.3%2010s582020+: 1.8% of homes1.8%2020+16

Bars: share of 136,468 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 built1984
Built before 198045.1%
Built before 200068.9%
Built since 201017.0%
Owner-occupied55.3%
Median home value$199,600
Single-family permits, 2014 to 202520,666
Permits per 1,000 homes151.4

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 Lubbock County

Roofing firms in Lubbock County

Roofing contractor establishments, 202338
Change since 2016+15 (+65%)
Homes per roofing firm3,591
Median across counties5,189
Employees, 2023297

Source for Lubbock County: Census County Business Patterns, NAICS 238160.

FEMA disaster declarations naming Lubbock County since 2014

Declarations naming Lubbock County4
Storm / flood / winter / fire2 / 0 / 2 / 0
Median TX county4
Rank among 174 TX counties103
Days from the latest to the data cutoff2,034

Source for Lubbock County: OpenFEMA, data to 2026-09-15.

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 Lubbock County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Midland County, TX121 Relatively Moderate $2110.46$160.06170
Potter County, TX124 Relatively Moderate $8981.97$450.18226
Ector County, TX127 Relatively Moderate $3870.85$120.05167
Taylor County, TX144 Relatively Moderate $6231.37$210.08158
Tom Green County, TX167 Relatively Low $1170.26$160.06218
Tarrant County, TX268 Relatively High $3140.69$1.550.01541

More Texas counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Lubbock 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. 20 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Lubbock 79401 (100%), 79404 (100%), 79407 (38%), 79410 (100%), 79413 (100%) Roofers

Storm hit your roof in Lubbock County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Lubbock County?

FEMA's National Risk Index gives Lubbock County an overall score of 96.25 (Relatively High), 119th of 3,144. Hail scores 99.78 (Very High), strong wind 99.78 (Very High) and tornado 98.79 (Relatively High).

In Lubbock 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 124 for Lubbock County between 2014 and June 2026, on 66 days with hail of 1 inch or more; the largest stone was 4.5 inches.

What do hail and wind cost a home in Lubbock County each year, on average?

Applying FEMA's county rates to its median home value of $199,600: FEMA's estimate is about $91 a year for hail and $50 for wind, before any deductible, against $4.46 and $4.07 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 Lubbock County compare with the rest of Texas?

Per $1 million of buildings Lubbock County loses $455 to hail a year, against $85 in the median county of the state. Among 254 rated counties it is 5th for hail, 1st for strong wind and 11th for tornado.

How old are the roofs in Lubbock County?

The median home was built in 1984, 42 years ago, and 68.9% of the 136,468 housing units in Lubbock 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 Lubbock County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Lubbock County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Lubbock County; Census County Business Patterns, roofing firms in Lubbock County; OpenFEMA, declarations naming Lubbock County. Planning-level information about Lubbock 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).