🌍 ClimateRiskCheck

Natural Disaster Risk in Coleman

Texas

5.1out of 10
Moderate Risk

Risk Summary for Coleman

Coleman scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Wildfire Drought

All 18 Hazard Scores

Hail
8.3
Wildfire
8.2
Strong Wind
8.1
Drought
8.1
Hurricane
5.9
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Tornado
4.6
Avalanche
4.5
Extreme Heat
4.4
Lightning
3.9
Cold Wave
3.2
Ice Storm
2.4
Landslide
2.3
Earthquake
1.8
Riverine Flooding
1.0

How it compares

Coleman
5.1
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Coleman, Texas

Coleman is a town of roughly 4,981 residents in Coleman County, in the Deep South. 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 Coleman.

FEMA rates Coleman's composite natural disaster risk at 5.1 out of 10 β€” moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for wildfire and drought risk in their preparedness planning.

Coleman's risk score, slightly below the 5.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Coleman County, the highest-scoring are hail, wildfire, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Coleman residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.

What this means for Coleman: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • 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.

Local Factors for Coleman

These city-level factors differentiate Coleman from other communities in Coleman County and provide geographic context for its hazard exposure.

Population

4,981

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

31.8788Β° N, 99.4684Β° W

Coleman 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 Coleman

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Coleman

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.