Natural Disaster Risk in Cotton Center
Texas
Risk Summary for Cotton Center
Cotton Center scores 6.7/10 (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
🏠 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: Cotton Center, Texas
Cotton Center is a small unincorporated community in Hale County, in the arid interior West. 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 Cotton Center.
FEMA rates Cotton Center's composite natural disaster risk at 6.7 out of 10 — high 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 drought and winter risk in their preparedness planning.
Cotton Center's risk score, slightly 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 Hale County, the highest-scoring are hail, drought, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Cotton Center'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 Cotton Center: 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 Cotton Center
These city-level factors differentiate Cotton Center from other communities in Hale County and provide geographic context for its hazard exposure.
Population
46
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.0/10
Coordinates
33.9837° N, 101.9930° W
Hale 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 Cotton Center
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cotton Center
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.