🌍 ClimateRiskCheck

Natural Disaster Risk in Howe

Texas

7.0out of 10
High Risk

Risk Summary for Howe

Howe scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Extreme Heat Tornado

All 18 Hazard Scores

Tornado
9.4
Hail
9.4
Extreme Heat
9.4
Ice Storm
9.3
Wildfire
8.8
Cold Wave
8.4
Earthquake
7.1
Hurricane
6.9
Landslide
6.6
Winter Weather
6.2
Lightning
6.2
Strong Wind
6.1
Drought
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Howe
7.0
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: Howe, Texas

Located in the interior eastern United States in Grayson County, Howe is a town of roughly 6,554 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 Howe a community where hazard awareness has real practical value.

FEMA rates Howe's composite natural disaster risk at 7.0 out of 10 β€” high risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for heat and tornado risk in their preparedness planning.

Relative to other U.S. communities, Howe's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by hail and heat, as measured by FEMA across Grayson County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Howe'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 Howe: Hail preparedness

  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • 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.

Local Factors for Howe

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

Population

6,554

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: 8.8/10

Coordinates

33.5299Β° N, 96.6831Β° W

Grayson 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 Howe

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Howe

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.