Natural Disaster Risk in Hereford
Texas
Risk Summary for Hereford
Hereford scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Hereford, Texas
Hereford, in Deaf Smith County, is a city of approximately 18,189 residents situated in the arid interior West. 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 Hereford residents and property owners must navigate.
According to FEMA's National Risk Index, Hereford carries an overall risk score of 6.0/10, placing it in the high category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to hail and winter.
Within Texas, Hereford'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 Deaf Smith County identifies drought as the foremost hazard, followed by hail and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Hereford'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 Hereford: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Hereford
These city-level factors differentiate Hereford from other communities in Deaf Smith County and provide geographic context for its hazard exposure.
Population
18,189
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.9Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.8/10
Coordinates
34.8983Β° N, 102.5123Β° W
Deaf Smith 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 Hereford
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hereford
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.