Natural Disaster Risk in Albany
Texas
Risk Summary for Albany
Albany scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Albany, Texas
Albany is a small community of about 2,395 in Shackelford County, in the interior eastern United States. The area experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Albany.
According to FEMA's National Risk Index, Albany carries an overall risk score of 3.8/10, placing it in the low category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to drought and hail.
Albany's risk score, considerably below the 5.6/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Shackelford County, the highest-scoring are wildfire, drought, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Despite its lower-than-average risk classification, Albany is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers wildfire — remains prudent for all residents.
What this means for Albany: Wildfire preparedness
- Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Local Factors for Albany
These city-level factors differentiate Albany from other communities in Shackelford County and provide geographic context for its hazard exposure.
Population
2,395
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.9/10
Coordinates
32.8030° N, 99.2352° W
Shackelford 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 Albany
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Albany
Other cities in Texas
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.