🌍 ClimateRiskCheck

Natural Disaster Risk in Lumberton

Texas

6.4out of 10
High Risk

Risk Summary for Lumberton

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

Top Hazards

Coastal Flooding Hurricane Lightning

All 18 Hazard Scores

Hurricane
9.1
Lightning
9.1
Coastal Flooding
9.1
Ice Storm
9.0
Tornado
8.7
Wildfire
8.5
Cold Wave
7.6
Extreme Heat
7.3
Tsunami
5.4
Winter Weather
5.1
Volcanic Activity
5.1
Drought
4.9
Strong Wind
4.6
Avalanche
4.5
Earthquake
4.0
Hail
3.5
Landslide
2.8
Riverine Flooding
1.0

How it compares

Lumberton
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: Lumberton, Texas

Located in the Deep South in Hardin County, Lumberton is a city of approximately 22,258 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 Lumberton a community where hazard awareness has real practical value.

FEMA rates Lumberton's composite natural disaster risk at 6.4 out of 10 β€” high risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for hurricane and lightning risk in their preparedness planning.

Relative to other U.S. communities, Lumberton'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 coastal flood and hurricane, as measured by FEMA across Hardin County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Lumberton residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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 Lumberton: Coastal Flooding preparedness

  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.

Local Factors for Lumberton

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

Population

22,258

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.5/10

Coordinates

30.2255Β° N, 94.1886Β° W

Hardin 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 Lumberton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lumberton

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.