Storm risk in Smith County, Texas

FEMA's overall hazard score for Smith County is 84.16 (Relatively Moderate), 499th of 3,144 counties. Hail scores 85.15 (Relatively Moderate), strong wind 91.44 (Relatively High) and tornado 47.26 (Relatively Low). Expected hail loss is $22 per $1 million of buildings a year; NOAA logged 131 hail reports in Smith County from 2014 to June 2026.

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

Smith 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: $22 per $1 million, 1,586th of 3,126 rated counties$22Hail1,586th of 3,126 countiesStrong wind: $3.21 per $1 million, 2,790th of 3,121 rated counties$3.21Strong wind2,790th of 3,121 countiesTornado: $22 per $1 million, 2,647th of 3,144 rated counties$22Tornado2,647th of 3,144 counties
  • Smith 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 Smith County

HazardRatingScore (0 to 100)Rank in U.S.Rank in TX
OverallRelatively Moderate 84.16499 of 3,14438 of 254
HailRelatively Moderate 85.15468 of 3,12681 of 254
Strong windRelatively High 91.44270 of 3,12619 of 254
TornadoRelatively Low 47.261,659 of 3,126150 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$929,299$22 $85$22 1,586 of 3,126206 of 254
Strong wind$137,549$3.21 $26$20 2,790 of 3,121250 of 254
Tornado$930,262$22 $269$199 2,647 of 3,144250 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 Smith County

  • FEMA expects hail in Smith County to cost $22 per $1 million of buildings a year: 0.97 times the U.S. median and 0.26 times the TX county median, ranked 1,586th of 3,126 counties nationally and 206th of 254 in Texas.
  • FEMA expects strong wind in Smith County to cost $3.21 per $1 million of buildings a year: 0.16 times the U.S. median and 0.12 times the TX county median, ranked 2,790th of 3,121 counties nationally and 250th of 254 in Texas.
  • FEMA expects tornado in Smith County to cost $22 per $1 million of buildings a year: 0.11 times the U.S. median and 0.08 times the TX county median, ranked 2,647th of 3,144 counties nationally and 250th of 254 in Texas.
  • Applying FEMA's estimate to a $220,800 home, the average yearly loss in Smith County is about $4.79 for hail and $0.71 for wind before any deductible; at the U.S. median county rates it would be $4.93 and $4.50.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Smith County meets about 63.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1986, the median home in Smith County is 40 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 68.2% of its 98,672 homes are at least 26 years old.
  • March to June holds 110 of the 131 hail reports in Smith County (84 percent); the quietest month is August, with 0 reports.

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

Enter a home value. The calculator applies Smith 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.

$4.79hail, a year; $4.93 at the U.S. median county rate
$0.71strong wind, a year; $4.50 at the U.S. median county rate
$110hail and wind together over 20 years, at today’s rate

Formula: home value × Smith County yearly loss ÷ building value. Hail: $929,299 ÷ $42,809,917,469 = 0.0000217. Wind: $137,549 ÷ $42,809,917,469 = 0.0000032. 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.

Smith County in plain numbers

  • Smith County scores 84.16 in FEMA's overall hazard index (Relatively Moderate): 499th of 3,144 rated counties and 38th of 254 in Texas.
  • Hail scores 85.15 (Relatively Moderate). FEMA expects $929,299 of hail damage to buildings in Smith County a year, which is $22 per $1 million of buildings, 0.97 times the U.S. median.
  • Strong wind scores 91.44 (Relatively High) with $137,549 of expected yearly building loss in Smith County: $3.21 per $1 million of buildings, 0.16 times the U.S. median.
  • Tornado scores 47.26 (Relatively Low) and FEMA's expected yearly tornado loss is $930,262, counting everything exposed, or $22 per $1 million of buildings in Smith County.
  • FEMA's own event record for Smith County averages 4.48 hail events and 4.50 strong-wind events a year.
  • NOAA logged 131 hail reports in Smith County between 2014 and June 2026, on 42 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Smith County, FEMA counts buildings worth 42.81 billion dollars and 233,253 residents.
  • Social vulnerability is Relatively High in Smith County.
  • Community resilience there is Relatively High, for 233,253 residents.
  • 1 city in Smith County is covered on this site: Tyler. 15 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 Tyler is $5,880 to $13,020.
  • Smith County ranks 103 of the 194 counties with a page here for hail loss per $1 million of buildings, 171 for wind and 185 for tornado.
  • In Smith County, April is the busiest month with 45 of the 131 reports (34 percent), against 1 report in October.
  • Smith County's worst year was 2023, with 6 hail days at 1 inch or more and 24 reports. At the 2014 to 2025 pace that is 3.17 such days a year, one about every 3.8 months.
  • The median home in Smith County was built in 1986; 42.4% of its 98,672 housing units date from before 1980, 68.2% from before 2000 and 15.5% from 2010 on.
  • Census puts the median home value in Smith County at $220,800, and 69.3% of homes are lived in by their owners.
  • 6,319 single-family building permits were issued in Smith County from 2014 to 2025, about 64.0 per 1,000 homes, peaking in 2021.
  • NOAA lists 17 tornado tracks in Smith County since 2014; the strongest was an EF2 on April 29, 2016 near Lindale, 7.38 miles long.
  • The fastest gust in NOAA's records for Smith County is 100 mph on April 12, 2022 at Tyler.
  • The nearest county with a page here is Gregg County, 30 miles from the centre of Smith County; its hail score is 95.20.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 40 roofing contractor establishments in Smith County in 2023, one for every 2,467 homes.
  • FEMA has named Smith County in 7 disaster declarations since 2014, the latest 851 days before its data end, and 3 of them were storm-type.

The hail record of Smith County, year by year

NOAA logged 131 reports in Smith County; hail of 1 inch or more fell on 42 days. That is 3.2 such days a year; the median county in NOAA’s file has 1.8.

Smith County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more05101520252014: 7 reports, 2 days at 1 inch or more, largest 1 inch142015: 8 reports, 2 days at 1 inch or more, largest 1.75 inch152016: 12 reports, 4 days at 1 inch or more, largest 1.75 inch162017: 16 reports, 3 days at 1 inch or more, largest 2.5 inch172018: 11 reports, 5 days at 1 inch or more, largest 1.75 inch182019: 3 reports, 2 days at 1 inch or more, largest 1 inch192020: 5 reports, 3 days at 1 inch or more, largest 1.75 inch202021: 8 reports, 4 days at 1 inch or more, largest 1.25 inch212022: 2 reports, 0 days at 1 inch or more, largest 0.88 inch222023: 24 reports, 6 days at 1 inch or more, largest 2.75 inch232024: 18 reports, 4 days at 1 inch or more, largest 2.75 inch242025: 4 reports, 3 days at 1 inch or more, largest 1 inch252026: 13 reports, 4 days at 1 inch or more, largest 1.75 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Smith County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 15 reports15FebMarch: 17 reports17MarApril: 45 reports45AprMay: 27 reports27MayJune: 21 reports21JunJuly: 1 reports1JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 1 reports1OctNovember: 0 reports0NovDecember: 3 reports3Dec

Reports by calendar month, all years together. Peak: April, 45 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
20147201 in–
20158211.75 in–
201612411.75 in–
201716312.5 in–
201811511.75 in–
20193201 in–
20205311.75 in–
20218401.25 in–
20222000.88 in–
202324652.75 in–
202418412.75 in–
20254301 in–
2026 (to June)13411.75 in–

Biggest hail days in Smith County

DateLargest stoneReports that dayDamage reportedNear
February 11, 20242.75 in12none recordedNoonday
June 13, 20232.75 in11none recordedPine Spgs
May 3, 20172.5 in11none recordedTyler
June 14, 20232 in4none recordedGarden Vly
April 29, 20161.75 in4none recordedSwan

Where large hail was reported

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

Reported hail locations, Smith County

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  • 681 to 1.74 in
  • 251.75 to 2.74 in, golf ball to tennis ball
  • 22.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

95 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 Smith County

Fastest gusts in Smith County

DateGustNear
April 12, 2022100 mphTyler
April 5, 2022100 mphWhitehouse
May 11, 201785 mphLindale
April 12, 202285 mphTyler

Strongest tornado tracks in Smith County

DateScaleLengthInjured / killedNear
April 29, 2016EF27.38 mi2 / 0Lindale
April 29, 2016EF21 mi0 / 0Thedford
December 12, 2015EF21.79 mi0 / 0Thedford
October 28, 2025EF14.41 mi0 / 0Lindale

17 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 Smith County’s 2014 to 2025 pace of 3.17 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Smith 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: 3.2% of homes3.2%<19402881940s: 5.3% of homes5.3%1940s2561950s: 9.6% of homes9.6%1950s2251960s: 9.6% of homes9.6%1960s1931970s: 14.8% of homes14.8%1970s1621980s: 13.3% of homes13.3%1980s1301990s: 12.5% of homes12.5%1990s982000s: 16.4% of homes16.4%2000s662010s: 13.4% of homes13.4%2010s352020+: 2.1% of homes2.1%2020+10

Bars: share of 98,672 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 built1986
Built before 198042.4%
Built before 200068.2%
Built since 201015.5%
Owner-occupied69.3%
Median home value$220,800
Single-family permits, 2014 to 20256,319
Permits per 1,000 homes64.0

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 Smith County

Roofing firms in Smith County

Roofing contractor establishments, 202340
Change since 2016+27 (+208%)
Homes per roofing firm2,467
Median across counties5,189
Employees, 2023203

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

FEMA disaster declarations naming Smith County since 2014

Declarations naming Smith County7
Storm / flood / winter / fire3 / 2 / 2 / 0
Median TX county4
Rank among 174 TX counties38
Days from the latest to the data cutoff851

Source for Smith County: OpenFEMA, data to 2026-09-15. Declaration list for Smith 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 Smith County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Gregg County, TX30 Relatively Moderate $914.21$134.1850
Bowie County, TX90 Relatively Low $31514.51$206.3762
Tarrant County, TX119 Relatively High $31414.49$1.550.48541
McLennan County, TX127 Relatively Moderate $200.92$8.672.70137
Brazos County, TX136 Relatively Moderate $331.51$7.792.4285
Bell County, TX160 Relatively Moderate $1446.62$9.202.86145

More Texas counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Smith 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. 15 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Tyler 75701 (100%), 75702 (100%), 75703 (100%), 75704 (100%), 75708 (100%) Roofers

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Questions

How high is storm risk in Smith County?

FEMA's National Risk Index gives Smith County an overall score of 84.16 (Relatively Moderate), 499th of 3,144. Hail scores 85.15 (Relatively Moderate), strong wind 91.44 (Relatively High) and tornado 47.26 (Relatively Low).

In Smith 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 131 for Smith County between 2014 and June 2026, on 42 days with hail of 1 inch or more; the largest stone was 2.75 inches.

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

Applying FEMA's county rates to its median home value of $220,800: FEMA's estimate is about $4.79 a year for hail and $0.71 for wind, before any deductible, against $4.93 and $4.50 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 Smith County compare with the rest of Texas?

Per $1 million of buildings Smith County loses $22 to hail a year, against $85 in the median county of the state. Among 254 rated counties it is 81st for hail, 19th for strong wind and 150th for tornado.

How old are the roofs in Smith County?

The median home was built in 1986, 40 years ago, and 68.2% of the 98,672 housing units in Smith 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 Smith County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Smith County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Smith County; Census County Business Patterns, roofing firms in Smith County; OpenFEMA, declarations naming Smith County. Planning-level information about Smith 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).