Natural Disaster Risk in Cross Plains

Natural Hazard Profile: Cross Plains, Texas

Located in the interior eastern United States in Callahan County, Cross Plains is a small community of about 1,999. The diverse climate that characterizes this part of Texas — marked by an exceptionally varied climate from humid subtropical in the east to desert in the west — directly influences the types and severity of natural hazards present, making Cross Plains a community where hazard awareness has real practical value.

Cross Plains's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include wildfire and drought.

Relative to other U.S. communities, Cross Plains's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.6/10 state average. The hazard distribution here is led by hail and wildfire, as measured by FEMA across Callahan County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Cross Plains's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.