🌍 ClimateRiskCheck

Natural Disaster Risk in Dougherty

Texas

5.2out of 10
Moderate Risk

Risk Summary for Dougherty

Dougherty scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Drought Wildfire

All 18 Hazard Scores

Hail
9.7
Drought
9.3
Wildfire
7.7
Winter Weather
6.2
Strong Wind
6.1
Hurricane
5.4
Tsunami
5.4
Tornado
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.7
Avalanche
4.5
Cold Wave
3.7
Earthquake
3.0
Lightning
2.8
Extreme Heat
2.6
Landslide
1.4
Riverine Flooding
1.0

How it compares

Dougherty
5.2
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: Dougherty, Texas

Dougherty, in Floyd County, is a small unincorporated community situated in the arid interior West. Its diverse climate brings an exceptionally varied climate from humid subtropical in the east to desert in the west, and in particular overlapping tornado, hurricane, flood, and drought seasons. These conditions collectively define the natural hazard environment that Dougherty residents and property owners must navigate.

According to FEMA's National Risk Index, Dougherty carries an overall risk score of 5.2/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to drought and wildfire.

Within Texas, Dougherty's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Floyd County identifies hail as the foremost hazard, followed by drought and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Dougherty 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 Dougherty: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • 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.

Local Factors for Dougherty

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

Population

24

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.7/10

Coordinates

33.9416Β° N, 101.0658Β° W

Floyd 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 Dougherty

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Dougherty

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.