Natural Disaster Risk in Decatur
Texas
Risk Summary for Decatur
Decatur scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β 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: Decatur, Texas
Located in the interior eastern United States in Wise County, Decatur is a city of approximately 21,418 residents. The diverse climate that characterizes this part of Texas β marked by an exceptionally varied climate from humid subtropical in the east to desert in the west β directly influences the types and severity of natural hazards present, making Decatur a community where hazard awareness has real practical value.
FEMA rates Decatur's composite natural disaster risk at 6.0 out of 10 β high risk. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. Residents should also account for hail and heat risk in their preparedness planning.
Relative to other U.S. communities, Decatur's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by wildfire and hail, as measured by FEMA across Wise County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Decatur residents benefit from taking preparedness seriously. Reviewing insurance coverage for wildfire 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 Decatur: Wildfire preparedness
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
Local Factors for Decatur
These city-level factors differentiate Decatur from other communities in Wise County and provide geographic context for its hazard exposure.
Population
21,418
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 33.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.5/10
Coordinates
33.2759Β° N, 97.5140Β° W
Wise 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 Decatur
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Decatur
Other cities in Texas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.