Natural Disaster Risk in Amarillo
Texas
Risk Summary for Amarillo
Amarillo scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Amarillo, Texas
Located in the arid interior West in Randall County, Amarillo is a city of approximately 43,578 residents. The diverse climate that characterizes this part of Texas β marked by an exceptionally varied climate from humid subtropical in the east to desert in the west β directly influences the types and severity of natural hazards present, making Amarillo a community where hazard awareness has real practical value.
FEMA rates Amarillo's composite natural disaster risk at 7.2 out of 10 β high risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for winter and drought risk in their preparedness planning.
Relative to other U.S. communities, Amarillo's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.6/10 state average. The hazard distribution here is led by hail and winter, as measured by FEMA across Randall County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Amarillo's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Amarillo: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Local Factors for Amarillo
These city-level factors differentiate Amarillo from other communities in Randall County and provide geographic context for its hazard exposure.
Population
43,578
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.6/10
Coordinates
35.1665Β° N, 101.8863Β° W
Randall 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 Amarillo
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Amarillo
Other cities in Texas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.