Natural Disaster Risk in La Vernia
Texas
Risk Summary for La Vernia
La Vernia scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: La Vernia, Texas
Located along the Gulf Coast in Wilson County, La Vernia is a city of approximately 16,120 residents. The diverse climate that characterizes this part of Texas — marked by an exceptionally varied climate from humid subtropical in the east to desert in the west — directly influences the types and severity of natural hazards present, making La Vernia a community where hazard awareness has real practical value.
La Vernia's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include drought and tornado.
Relative to other U.S. communities, La Vernia's natural disaster risk is 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 drought, as measured by FEMA across Wilson County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
La Vernia'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 La Vernia: 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 La Vernia
These city-level factors differentiate La Vernia from other communities in Wilson County and provide geographic context for its hazard exposure.
Population
16,120
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.5/10
Coordinates
29.3512° N, 98.1024° W
Wilson 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 La Vernia
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in La Vernia
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.