🌍 ClimateRiskCheck

Natural Disaster Risk in Hooks

Texas

7.1out of 10
High Risk

Risk Summary for Hooks

Hooks scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Ice Storm Tornado

All 18 Hazard Scores

Hail
9.8
Ice Storm
9.7
Tornado
9.5
Extreme Heat
9.3
Lightning
8.7
Earthquake
7.8
Wildfire
7.7
Winter Weather
7.7
Drought
7.4
Cold Wave
6.9
Hurricane
6.7
Strong Wind
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.5
Riverine Flooding
1.0

How it compares

Hooks
7.1
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: Hooks, Texas

Hooks, in Bowie County, is a town of roughly 5,014 residents situated in the interior eastern United States. 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 Hooks residents and property owners must navigate.

Hooks's overall natural disaster risk is rated 7.1/10 (High) 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 ice storm and tornado.

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

With a high natural disaster risk rating, Hooks 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 Hooks: 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 Hooks

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

Population

5,014

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.7/10

Coordinates

33.5170Β° N, 94.2785Β° W

Bowie 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 Hooks

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hooks

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.