Natural Disaster Risk in Bell City
Louisiana
Risk Summary for Bell City
Bell City scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Bell City, Louisiana
Located in the Deep South in Cameron County, Bell City is a small community of about 1,478. The humid subtropical climate that characterizes this part of Louisiana — marked by very hot summers, mild winters, and exceptionally high humidity — directly influences the types and severity of natural hazards present, making Bell City a community where hazard awareness has real practical value.
Bell City's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include lightning and hurricane.
Relative to other U.S. communities, Bell City's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 6.1/10 state average. The hazard distribution here is led by coastal flood and lightning, as measured by FEMA across Cameron County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Bell City residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.
What this means for Bell City: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Bell City
These city-level factors differentiate Bell City from other communities in Cameron County and provide geographic context for its hazard exposure.
Population
1,478
Small TownGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 30.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.8/10
Coordinates
30.0272° N, 93.0497° W
Cameron County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Bell City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bell City
Other cities in Louisiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.