Natural Disaster Risk in Ben Franklin
Texas
Risk Summary for Ben Franklin
Ben Franklin scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.
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: Ben Franklin, Texas
Ben Franklin is a small unincorporated community in Delta 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 Ben Franklin.
FEMA rates Ben Franklin's composite natural disaster risk at 4.5 out of 10 — moderate risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for drought and hurricane risk in their preparedness planning.
Ben Franklin's risk score, slightly below the 5.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Delta County, the highest-scoring are ice storm, drought, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Ben Franklin 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 ice storm is recommended.
What this means for Ben Franklin: Ice Storm preparedness
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
Local Factors for Ben Franklin
These city-level factors differentiate Ben Franklin from other communities in Delta County and provide geographic context for its hazard exposure.
Population
289
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 33.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.7/10
Coordinates
33.4645° N, 95.7460° W
Delta 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 Ben Franklin
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Ben Franklin
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.