🌍 ClimateRiskCheck

Natural Disaster Risk in Gouldbusk

Texas

5.1out of 10
Moderate Risk

Risk Summary for Gouldbusk

Gouldbusk scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Wildfire Drought

All 18 Hazard Scores

Hail
8.3
Wildfire
8.2
Strong Wind
8.1
Drought
8.1
Hurricane
5.9
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Tornado
4.6
Avalanche
4.5
Extreme Heat
4.4
Lightning
3.9
Cold Wave
3.2
Ice Storm
2.4
Landslide
2.3
Earthquake
1.8
Riverine Flooding
1.0

How it compares

Gouldbusk
5.1
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: Gouldbusk, Texas

Gouldbusk, in Coleman County, is a small unincorporated community situated in the Deep South. 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 Gouldbusk residents and property owners must navigate.

Gouldbusk's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include wildfire and drought.

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

Gouldbusk'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.

What this means for Gouldbusk: 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 Gouldbusk

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

Population

168

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

31.5431Β° N, 99.4819Β° W

Coleman 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 Gouldbusk

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gouldbusk

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.