🌍 ClimateRiskCheck

Natural Disaster Risk in Galveston

Texas

7.4out of 10
High Risk

Risk Summary for Galveston

Galveston scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Coastal Flooding Hurricane

All 18 Hazard Scores

Cold Wave
9.9
Hurricane
9.8
Lightning
9.8
Coastal Flooding
9.8
Tornado
9.7
Drought
9.7
Extreme Heat
9.4
Ice Storm
9.2
Wildfire
8.7
Hail
7.2
Earthquake
6.2
Strong Wind
5.8
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Landslide
3.0
Winter Weather
2.6
Riverine Flooding
1.0

How it compares

Galveston
7.4
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 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: Galveston, Texas

Galveston is a city of approximately 23,489 residents in Galveston 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 Galveston.

FEMA rates Galveston's composite natural disaster risk at 7.4 out of 10 β€” high risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for coastal flood and hurricane risk in their preparedness planning.

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

Galveston'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 Galveston: 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 Galveston

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

Population

23,489

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

29.3102Β° N, 94.7771Β° W

Galveston 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 Galveston

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Galveston

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.