FEMA rates relative hail risk for Bell County as relatively high and reports FEMA annualized frequency of 4.114 per year for the area.
FEMA summary
FEMA's profile for Bell County reports FEMA annualized frequency of 4.114 per year for hail. FEMA's relative risk rating for the area is relatively high; the annualized frequency is a separate measure.
Hazard metrics cover FEMA county-equivalent geographies rather than individual addresses or parcels. Use local or state hazard maps before making a property, insurance, retrofit, or evacuation decision.
Select a hazard to inspect FEMA's figures for Bell County.
Hail
FEMA combines its area-wide loss estimate and community data in this relative rating. Event frequency appears separately below.
Relative FEMA score
99.0/100
Occurrence thresholds vary by hazard. The FEMA methodology defines the value for each hazard.
The area loss estimate combines FEMA's modeled losses to buildings, population, and agriculture across Bell County. It is not an estimate for a home or address.
City risk summary
For Temple, FEMA rates hail risk for Bell County as relatively high, with a relative score of 99.0/100. The next highest relative scores are tornado at 98.9/100 and winter weather at 98.0/100.
Using FEMA data for Bell County, Temple is tied #26 among 53 covered Texas entries for hail risk; 2 entries share that score. Killeen is about 20 straight-line miles from the Temple map point and uses the same FEMA geography.
For homeowners and movers
Preparedness actions
Living in Temple? Learn how to handle water storage, sanitation, and security in a small space.
The map shows Temple. All FEMA figures on this page cover Bell County.
The FEMA figures cover Bell County. Address-level conditions require local maps, building records, and property details.
FEMA rates relative hail risk for Bell County as relatively high. Its FEMA annualized frequency is 4.114 per year. Damage at a specific address also depends on the building, soil, elevation, and exact hazard zone.
Among 53 Texas cities covered by this directory, Temple is Tied #26 for relative hail risk based on FEMA's score for Bell County. 2 covered cities share this rank because they use the same FEMA geography. Homes within Temple can have different soil, elevation, construction, and hazard-zone conditions.
In FEMA's data for Bell County, the highest relative ratings are Hail (Relatively High), Tornado (Relatively High), and Winter Weather (Very High). FEMA uses estimated losses and community data along with event frequency when assigning these ratings.
The hazard numbers cover Bell County. For an individual home, check local fault, flood, fire, evacuation, and building records for the exact address.
FEMA gives Bell County an overall relative risk rating of relatively moderate. Conditions at a specific home depend on its hazard zones, building type, maintenance, insurance, and access to evacuation routes and emergency services.
Start with this step: Confirm the exact hazard using official local maps before making property or insurance decisions. Know how local officials issue warnings and evacuation instructions. Use Ready.gov Be Informed and local emergency guidance for a complete plan.
Distances are measured between city coordinates.
| City | Distance | Hail rating | Relative score |
|---|---|---|---|
| Killeen, TX | 20 mi | Relatively High | 99.0 |
| Waco, TX | 33 mi | Relatively Low | 74.7 |
| Round Rock, TX | 43 mi | Relatively Moderate | 86.4 |
| Austin, TX | 60 mi | Very High | 99.6 |
| Bryan, TX | 67 mi | Relatively Moderate | 92.8 |
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View productHazard metrics come from FEMA National Risk Index v1.19.0 (March 2023). City population and coordinates come from SimpleMaps US Cities Database. For current conditions, use official local maps, warnings, inspections, and professional advice.