🌍 ClimateRiskCheck

Natural Disaster Risk in Elsa

Texas

8.2out of 10
Very High Risk

Risk Summary for Elsa

Elsa scores 8.2/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hurricane Drought

All 18 Hazard Scores

Hurricane
10.0
Cold Wave
10.0
Hail
9.9
Drought
9.9
Extreme Heat
9.9
Ice Storm
9.9
Tornado
9.6
Winter Weather
9.6
Lightning
9.4
Strong Wind
9.1
Wildfire
8.6
Earthquake
8.2
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Elsa
8.2
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Elsa, Texas

Elsa is a town of roughly 8,400 residents in Hidalgo County, along the Gulf Coast. 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 Elsa.

According to FEMA's National Risk Index, Elsa carries an overall risk score of 8.2/10, placing it in the very 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 hurricane and drought.

Elsa'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 Hidalgo County, the highest-scoring are cold wave, hurricane, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

The very high risk environment in Elsa warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including cold wave. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.

What this means for Elsa: 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 Elsa

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

Population

8,400

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 26.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.6/10

Coordinates

26.3012Β° N, 98.0051Β° W

Hidalgo 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 Elsa

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elsa

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.