Natural Disaster Risk in Memphis
Texas
Risk Summary for Memphis
Memphis scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Memphis, Texas
Memphis is a small community of about 2,230 in Hall County, in the arid interior West. 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 Memphis.
FEMA rates Memphis's composite natural disaster risk at 5.0 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for hail and wind risk in their preparedness planning.
Memphis's risk score, slightly below the 5.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hall County, the highest-scoring are drought, hail, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Memphis residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for Memphis: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Local Factors for Memphis
These city-level factors differentiate Memphis from other communities in Hall County and provide geographic context for its hazard exposure.
Population
2,230
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.8/10
Coordinates
34.6800° N, 100.4755° W
Hall 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 Memphis
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Memphis
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.