Public record
What the weather actually did, county by county.
Equipment does not usually burn. It gets hit by water from a roof that failed, by a surge, or by a hail event that opened the building. These are the recorded events, from the public federal database, over a ten-year window.
| County | Wind | Hail | Tornado | Total | Hail share |
|---|---|---|---|---|---|
| Harris County | 191 | 157 | 38 | 386 | — |
| Williamson County | — | 203 | — | — | 84% |
| Travis County | — | 162 | — | — | 75% |
A dash is a gap in our extract, not in the record. The federal database breaks out every event type for every county; for Williamson and Travis we have so far pulled only the hail figure, because hail is the peril that reaches equipment most often. Saying the source does not have it would have been the easier sentence and it would have been false — on a page whose entire claim is that every number has a source, where a number came from includes admitting where one has not been fetched yet.
Source: NOAA National Centers for Environmental Information, Storm Events Database, 2015-2025 window. These are the same figures the report quotes — one file feeds both, and if they ever disagree the build fails rather than publishing a discrepancy.
Why a storm count belongs next to an equipment schedule
A hail event rarely destroys a machine directly. It opens the envelope. The roof takes the hit, water follows it down, and what it reaches is the most expensive and least movable contents of the building — the imaging suite, the analyzers, the sterilizers. The peril is recorded as weather and it is settled as equipment.
What that loss settles against is the schedule. The schedule sets the limit, the limit is the ceiling on what a policy can pay, and most commercial property policies also carry a coinsurance clause that applies to partial losses — the kind a storm actually produces. A number nobody has revisited since the equipment was bought is doing more work than anyone intends it to.
This table is on the site because it is public federal data, it costs nothing to publish, and it is the one part of the picture a practice owner can check without us. The frequency is not in dispute and it is not ours to sell. What we do is the other half: put a defensible, evidenced number on the equipment the weather is going to find.
General information about how these clauses commonly operate, not a statement about your policy or your schedule. Your own terms govern. The mechanics are set out in full under Movement III of the methodology.
Fifty years
You will hold this building for decades. Here is the window that describes that.
Federally declared major disasters for the county, 1977–2026. Each one is an administrative event with a number attached, recorded the same way across the whole window.
Harris County
28major disaster declarations
Flood 10 · Severe Storm 8 · Hurricane 5
Williamson County
12major disaster declarations
Severe Storm 4 · Flood 2 · Fire 2
Travis County
19major disaster declarations
Flood 7 · Severe Storm 5 · Hurricane 2
What this counts. A major disaster declaration is issued by the President when the response is beyond the combined capability of state and local government. It is an administrative determination about response capacity, not a measure of any individual property's damage.
Why not storm counts. Raw storm-event counts rise steeply over fifty years for reasons that are not weather — the spotter network expanded, radar was modernised, and population grew. A bar chart of those counts would slope upward on the strength of the counting. Declarations do not have that artifact, which is why they are the series shown here.
FEMA OpenFEMA, DisasterDeclarationsSummaries (declarationType DR — major disaster) · retrieved 2026-08-09
The argument was never that it will hit you. It is that when it does, what your schedule says is what your schedule pays.