🌍 ClimateRiskCheck

Natural Disaster Risk in Lipan

Texas

6.4out of 10
High Risk

Risk Summary for Lipan

Lipan scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Wildfire Hail

All 18 Hazard Scores

Tornado
9.3
Wildfire
9.2
Hail
8.8
Cold Wave
8.6
Extreme Heat
8.2
Ice Storm
8.1
Lightning
7.4
Hurricane
6.9
Strong Wind
5.7
Drought
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
3.9
Winter Weather
3.7
Landslide
3.2
Riverine Flooding
1.0

How it compares

Lipan
6.4
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: Lipan, Texas

Lipan is a town of roughly 5,167 residents in Hood County, in the interior eastern United States. The area experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Lipan.

According to FEMA's National Risk Index, Lipan carries an overall risk score of 6.4/10, placing it in the high category. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. The area also faces notable exposure to wildfire and hail.

Lipan's risk score, slightly above the 5.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hood County, the highest-scoring are tornado, wildfire, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Lipan residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado 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 Lipan: Tornado preparedness

  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.

Local Factors for Lipan

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

Population

5,167

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

32.5232Β° N, 98.0342Β° W

Hood 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 Lipan

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lipan

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.