🌍 ClimateRiskCheck

Natural Disaster Risk in Harwood

Texas

6.4out of 10
High Risk

Risk Summary for Harwood

Harwood scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Hurricane Drought

All 18 Hazard Scores

Hail
9.3
Hurricane
9.2
Drought
9.1
Strong Wind
7.8
Wildfire
7.6
Tornado
7.6
Cold Wave
7.5
Lightning
7.3
Extreme Heat
6.9
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.8
Ice Storm
3.7
Earthquake
3.1
Riverine Flooding
1.0

How it compares

Harwood
6.4
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: Harwood, Texas

Harwood, in Gonzales County, is a small community of about 1,245 situated along the Gulf Coast. 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 Harwood residents and property owners must navigate.

According to FEMA's National Risk Index, Harwood carries an overall risk score of 6.4/10, placing it in the high 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 hurricane and drought.

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

With a high natural disaster risk rating, Harwood residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Harwood: 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 Harwood

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

Population

1,245

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.6/10

Coordinates

29.6887Β° N, 97.4686Β° W

Gonzales 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 Harwood

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harwood

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.