🌍 ClimateRiskCheck

Natural Disaster Risk in Lolita

Texas

5.5out of 10
Moderate Risk

Risk Summary for Lolita

Lolita scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Drought

All 18 Hazard Scores

Hurricane
9.6
Coastal Flooding
9.3
Drought
9.1
Wildfire
6.8
Cold Wave
6.2
Extreme Heat
6.1
Ice Storm
6.0
Lightning
5.8
Tornado
5.6
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Hail
4.3
Winter Weather
2.8
Earthquake
2.7
Strong Wind
2.5
Landslide
2.1
Riverine Flooding
1.0

How it compares

Lolita
5.5
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Lolita, Texas

Lolita, in Jackson County, is a small community of about 744 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 Lolita residents and property owners must navigate.

According to FEMA's National Risk Index, Lolita carries an overall risk score of 5.5/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to coastal flood and drought.

Within Texas, Lolita's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Jackson County identifies hurricane as the foremost hazard, followed by coastal flood and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Lolita residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Lolita: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Lolita

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

Population

744

Rural

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 28.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

28.8306Β° N, 96.5218Β° W

Jackson 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 Lolita

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lolita

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.