Natural Disaster Risk in Harlingen
Texas
Risk Summary for Harlingen
Harlingen scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Harlingen, Texas
Located along the Gulf Coast in Cameron County, Harlingen is a city of 53,335 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 Harlingen a community where hazard awareness has real practical value.
Harlingen's overall natural disaster risk is rated 8.0/10 (Very High) by FEMA's National Risk Index. 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. Secondary hazards include hurricane and heat.
Relative to other U.S. communities, Harlingen's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.6/10 state average. The hazard distribution here is led by cold wave and hurricane, as measured by FEMA across Cameron County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Given Harlingen's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.
What this means for Harlingen: Cold Wave preparedness
- 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.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
Local Factors for Harlingen
These city-level factors differentiate Harlingen from other communities in Cameron County and provide geographic context for its hazard exposure.
Population
53,335
UrbanGeographic 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
26.2547Β° N, 97.6641Β° W
Cameron 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 Harlingen
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harlingen
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.