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Live Oak County, Texas
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
Between 1950 and 2026, NCEI recorded 444 storm events in Live Oak County, Texas, led by drought.
That is 42.7 events per 100 square miles, below the Texas figure of 63.3, and 390.3 per 10,000 residents against 56.0 statewide.
27 events fall in the 12 months to 30 Jun 2026. NCEI attributes 3 deaths and 8 injuries to events in the county, with property damage estimated at $4.2M and crop damage at $3.4M.
FEMA has designated the county in 24 federal disaster declarations since 1953; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (major disaster, 1 Sep 2026).
National Flood Insurance Program policyholders in the county filed 56 claims since 1978, of which 45 were paid, totalling $928K (about $21K per paid claim). FEMA counts 95 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Very Low" and its expected annual loss as "Very Low" ($7.3M a year across 18 hazards).
40 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 3 of them within 50 miles at hurricane strength.
Compared with Texas and the United States
| Measure | Live Oak County | Texas | US |
|---|---|---|---|
| Recorded events since 1950 | 444 | 165,476 | 1,977,440 |
| Events per 100 square miles | 42.7 | 63.3 | 56.0 |
| Events per 10,000 residents | 390.3 | 56.0 | 59.6 |
| Events in the last 12 months | 27 | 4,723 | 62,008 |
| Deaths recorded by NCEI | 3 | 2,429 | 26,435 |
| Property damage (NCEI estimates) | $4.2M | $111B | $575B |
| NFIP claims per 1,000 residents | 4.9 | 13.4 | 8.1 |
| Average paid NFIP claim | $21K | $55K | $43K |
| Claims per 100 policies in force, last 10 years | 1.1 | 24.7 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 277 events in the 20 years to 2025 against 107 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 3 Feb 2011 | Ice Storm | Winter | — | $15K | — | 1 | 1 | Forecast zone |
| 16 Jan 2007 | Winter Weather | Winter | — | — | — | 1 | 1 | Forecast zone |
| 1 Jan 2018 | Sleet | Winter | — | $75K | — | 1 | — | Forecast zone |
| 30 Aug 1981 | Tornado | Tornado | F1 | $250K | — | — | 2 | County |
| 3 Aug 1970 | Tornado | Tornado | F2 | $25K | — | — | 2 | County |
| 27 Feb 2025 | Dense Fog | Fog | — | — | — | — | 2 | Forecast zone |
| 1 Aug 2022 | Drought | Drought | — | — | $3.4M | — | — | Forecast zone |
| 2 Apr 2009 | Wildfire | Wildfire | — | $1.0M | — | — | — | Forecast zone |
| 14 Feb 2021 | Cold/Wind Chill | Cold | — | $640K | — | — | — | Forecast zone |
| 23 Feb 1994 | Thunderstorm Wind | Wind | 0 mph | $500K | — | — | — | County |
| 25 Dec 2012 | Wildfire | Wildfire | — | $250K | — | — | — | Forecast zone |
| 20 Mar 2012 | Thunderstorm Wind | Wind | 81 mph | $250K | — | — | — | County |
| 23 Feb 2016 | Thunderstorm Wind | Wind | 70 mph | $200K | — | — | — | County |
| 7 Sep 2010 | Tropical Storm | Tropical | — | $100K | — | — | — | Forecast zone |
| 25 May 2013 | Flash Flood | Flood | — | $100K | — | — | — | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 1 Sep 2026 | DR-4935 | Major disaster | Flood | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Public assistance |
| 18 Jul 2026 | EM-3649 | Emergency | Flood | Flooding | Public assistance |
| 19 Feb 2021 | DR-4586 | Major disaster | Severe Ice Storm | Severe Winter Storms | Public assistance |
| 14 Feb 2021 | EM-3554 | Emergency | Severe Ice Storm | Severe Winter Storm | Public assistance |
| 26 Jul 2020 | EM-3530 | Emergency | Hurricane | Hurricane Hanna | Public assistance |
| 25 Mar 2020 | DR-4485 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3458 | Emergency | Biological | Covid-19 | Public assistance |
| 1 Jul 2011 | DR-1999 | Major disaster | Fire | Wildfires | Public assistance |
| 29 Jun 2010 | EM-3313 | Emergency | Hurricane | Tropical Storm Alex | Public assistance |
| 3 Apr 2009 | FM-2801 | Fire management assistance | Fire | Lagarto Fire | Public assistance |
| 14 Mar 2008 | EM-3284 | Emergency | Fire | Wildfires | Public assistance |
| 18 Aug 2007 | EM-3277 | Emergency | Hurricane | Hurricane Dean | Public assistance |
| 11 Jan 2006 | DR-1624 | Major disaster | Fire | Extreme Wildfire Threat | Public assistance |
| 24 Sep 2005 | DR-1606 | Major disaster | Hurricane | Hurricane Rita | Public assistance |
| 21 Sep 2005 | EM-3261 | Emergency | Hurricane | Hurricane Rita | Public assistance |
| 2 Sep 2005 | EM-3216 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 17 Jul 2003 | DR-1479 | Major disaster | Hurricane | Hurricane Claudette | Individual assistance, Public assistance |
| 26 Sep 2002 | DR-1434 | Major disaster | Coastal Storm | Tropical Storm Fay | Individual assistance |
| 4 Jul 2002 | DR-1425 | Major disaster | Flood | Severe Storms And Flooding | Individual assistance, Public assistance |
| 26 Aug 1998 | DR-1239 | Major disaster | Severe Storm | Tropical Storm Charley | — |
| 10 Sep 1993 | EM-3113 | Emergency | Drought | Extreme Fire Hazard | Public assistance |
| 18 Sep 1971 | DR-313 | Major disaster | Flood | Heavy Rains, High Winds & Flooding | Individual assistance, Public assistance |
| 4 Aug 1970 | DR-292 | Major disaster | Hurricane | Hurricane Celia | Individual assistance, Public assistance |
| 28 Sep 1967 | DR-232 | Major disaster | Hurricane | Hurricane Beulah | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2018 | 1 | 0 | $0 | — |
| 2015 | 1 | 0 | $0 | — |
| 2007 | 5 | 5 | $40,576 | $8,115 |
| 2004 | 1 | 1 | $13,667 | $13,667 |
| 2002 | 42 | 36 | $868,471 | $24,124 |
| 2001 | 1 | 0 | $0 | — |
| 1993 | 1 | 0 | $0 | — |
| 1981 | 1 | 1 | $1,000 | $1,000 |
| 1980 | 3 | 2 | $4,326 | $2,163 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Cold wave | $2,682,565 | |
| Inland flooding | $2,017,282 | |
| Hurricane | $1,209,648 | |
| Tornado | $552,777 | |
| Heat wave | $327,547 | |
| Drought | $255,646 | |
| Hail | $122,270 | |
| Strong wind | $69,709 | |
| Lightning | $36,459 | |
| Wildfire | $24,981 | |
| Ice storm | $20,502 | |
| Winter weather | $6,932 | |
| Earthquake | $3,314 | |
| Landslide | $34 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Harold | 2023 | 73 mi | 58 mph |
| Beta | 2020 | 86 mi | 46 mph |
| Harvey | 2017 | 56 mi | 132 mph |
| Bill | 2015 | 87 mi | 58 mph |
| Hermine | 2010 | 45 mi | 52 mph |
| Dolly | 2008 | 93 mi | 52 mph |
| Claudette | 2003 | 11 mi | 81 mph |
| Bret | 1999 | 66 mi | 92 mph |
| Charley | 1998 | 54 mi | 46 mph |
| Frances | 1998 | 32 mi | 52 mph |
| Arlene | 1993 | 97 mi | 40 mph |
| Allen | 1980 | 90 mi | 81 mph |
| Amelia | 1978 | 25 mi | 46 mph |
| Fern | 1971 | 67 mi | 69 mph |
| Celia | 1970 | 26 mi | 138 mph |
| Candy | 1968 | 56 mi | 69 mph |
| Beulah | 1967 | 68 mi | 86 mph |
| Abby | 1964 | 73 mi | 40 mph |
| Carla | 1961 | 90 mi | 115 mph |
| Unnamed Atlantic storm | 1960 | 17 mi | 52 mph |
| Ella | 1958 | 82 mi | 58 mph |
| Unnamed Atlantic storm | 1945 | 79 mi | 115 mph |
| Unnamed Atlantic storm | 1942 | 64 mi | 115 mph |
| Unnamed Atlantic storm | 1936 | 19 mi | 81 mph |
| Unnamed Atlantic storm | 1934 | 20 mi | 86 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
- 78022 46
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Live Oak County, TX?
NCEI records 93 hail events in Live Oak County since 1950, in 34 different years; that is about 1.2 recorded events a year. 23 reports were golf-ball size (1.75 in) or larger.
Has Live Oak County had a tornado?
Yes. NCEI records 35 tornadoes in Live Oak County since 1950, 6 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.
When was the last federal disaster declaration for Live Oak County?
1 Sep 2026: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding, a major disaster declaration for flood. The county appears in 24 declarations since 1953.
How many flood insurance claims have been filed in Live Oak County, and how much was paid?
56 NFIP claims since 1978, 45 of them paid, for $928K in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Live Oak County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Very Low" for overall risk, "Very Low" for expected annual loss, "Very High" for social vulnerability and "Very Low" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Live Oak County compare with the rest of Texas?
42.7 recorded events per 100 square miles against 63.3 statewide, and 4.9 NFIP claims per 1,000 residents against 13.4. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.