How Likely Is a Tornado in Terry County, TX?
Terry County's tornado history, by the numbers
Terry County has recorded 35 tornado touches in NOAA's 76-year database, a rate of roughly one every 2.2 years - our Elevated band. Put another way: Terry County sees more tornado activity than 75% of US counties. Within Texas alone, Terry County ranks 129 of 254 counties for tornado frequency.
Beyond the frequency band: violent history
26 weak and 6 significant tornadoes make up Terry County's 35-track record - none violent. NOAA has never logged an EF4 or EF5 crossing this county.
The dollar figure Terry County's rating leads to
Cost nationally: $2,890-$13,280, about $7,645 typical. Texas has no state rebate program confirmed here; FEMA's underlying 75% cost-share exists nationwide, but applying through a state program is what usually makes it real, and none was found for Texas this pass.
What a direct hit isn't required for
Tornado outbreaks routinely knock out power across Texas for days, separately from any single house getting hit. A portable battery bank keeps a fridge, phone chargers and a radio running through that gap - cheaper and faster to set up than a generator.
Wind damage may need its own endorsement
Texas is one of a handful of states where insurers can write wind/hail damage out of a standard homeowners policy - tornado damage may not be fully covered without a separate wind endorsement. Worth confirming directly on a Terry County policy rather than assuming it is included.
What this number is, and is not
One caveat before relying on Terry County's number: it is county-wide, and it covers about 889 square miles, so a single touch counts the same as one in a county a fraction of that size. Weaker pre-1990s tornadoes are also documented as undercounted in NOAA's own record. Terry County has about 11,602 residents.