🌍 ClimateRiskCheck

Natural Disaster Risk in Mcallen

Texas

8.2out of 10
Very High Risk

Risk Summary for Mcallen

Mcallen scores 8.2/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hurricane Drought

All 18 Hazard Scores

Hurricane
10.0
Cold Wave
10.0
Hail
9.9
Drought
9.9
Extreme Heat
9.9
Ice Storm
9.9
Tornado
9.6
Winter Weather
9.6
Lightning
9.4
Strong Wind
9.1
Wildfire
8.6
Earthquake
8.2
Landslide
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Mcallen
8.2
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

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

Natural Hazard Profile: Mcallen, Texas

Located along the Gulf Coast in Hidalgo County, Mcallen is a city of 63,094 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 Mcallen a community where hazard awareness has real practical value.

Mcallen's overall natural disaster risk is rated 8.2/10 (Very High) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include hurricane and drought.

Relative to other U.S. communities, Mcallen's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.6/10 state average. The hazard distribution here is led by cold wave and hurricane, as measured by FEMA across Hidalgo County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Given Mcallen's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.

What this means for Mcallen: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • 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.

Local Factors for Mcallen

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

Population

63,094

Urban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 26.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.6/10

Coordinates

26.2776Β° N, 98.2373Β° W

Hidalgo 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 Mcallen

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Mcallen

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.