🌍 ClimateRiskCheck

Natural Disaster Risk in Kemah

Texas

7.4out of 10
High Risk

Risk Summary for Kemah

Kemah scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Coastal Flooding Hurricane

All 18 Hazard Scores

Cold Wave
9.9
Hurricane
9.8
Lightning
9.8
Coastal Flooding
9.8
Tornado
9.7
Drought
9.7
Extreme Heat
9.4
Ice Storm
9.2
Wildfire
8.7
Hail
7.2
Earthquake
6.2
Strong Wind
5.8
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Landslide
3.0
Winter Weather
2.6
Riverine Flooding
1.0

How it compares

Kemah
7.4
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: Kemah, Texas

Kemah, in Galveston County, is a town of roughly 6,943 residents 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 Kemah residents and property owners must navigate.

Kemah's overall natural disaster risk is rated 7.4/10 (High) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include coastal flood and hurricane.

Within Texas, Kemah's risk is, considerably 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 Galveston County identifies cold wave as the foremost hazard, followed by coastal flood and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Kemah residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 Kemah: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Local Factors for Kemah

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

Population

6,943

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

29.5392Β° N, 95.0323Β° W

Galveston 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 Kemah

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kemah

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.