Natural Disaster Risk in College Station
Texas
Risk Summary for College Station
College Station scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: College Station, Texas
College Station is a city of 76,764 residents in Brazos County, in the South Central 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 College Station.
According to FEMA's National Risk Index, College Station carries an overall risk score of 7.5/10, placing it in the high category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to lightning and tornado.
College Station's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Brazos County, the highest-scoring are cold wave, lightning, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, College Station residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for College Station: Cold Wave preparedness
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
Local Factors for College Station
These city-level factors differentiate College Station from other communities in Brazos County and provide geographic context for its hazard exposure.
Population
76,764
UrbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 30.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.4/10
Coordinates
30.5621° N, 96.2761° W
Brazos 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 College Station
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in College Station
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.