🌍 ClimateRiskCheck

Natural Disaster Risk in Hico

Texas

4.6out of 10
Moderate Risk

Risk Summary for Hico

Hico scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Hurricane Hail

All 18 Hazard Scores

Wildfire
8.7
Hurricane
6.5
Hail
5.9
Drought
5.6
Tsunami
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.7
Avalanche
4.5
Lightning
4.3
Winter Weather
4.1
Extreme Heat
3.9
Strong Wind
3.0
Ice Storm
2.9
Earthquake
2.2
Landslide
2.0
Riverine Flooding
1.0

How it compares

Hico
4.6
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: Hico, Texas

Hico, in Hamilton County, is a town of roughly 4,244 residents 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 Hico residents and property owners must navigate.

Hico's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Secondary hazards include hurricane and hail.

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

With a moderate risk rating, Hico residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Hico: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Hico

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

Population

4,244

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

31.9497Β° N, 98.0277Β° W

Hamilton 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 Hico

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hico

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.