Natural Disaster Risk in Pilot Point
Texas
Risk Summary for Pilot Point
Pilot Point scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Pilot Point, Texas
Pilot Point, in Denton County, is a town of roughly 8,444 residents situated in the interior eastern United States. 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 Pilot Point residents and property owners must navigate.
According to FEMA's National Risk Index, Pilot Point carries an overall risk score of 7.6/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to tornado and heat.
Within Texas, Pilot Point's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Denton County identifies hail as the foremost hazard, followed by tornado and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Pilot Point's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Pilot Point: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Pilot Point
These city-level factors differentiate Pilot Point from other communities in Denton County and provide geographic context for its hazard exposure.
Population
8,444
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 33.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.4/10
Coordinates
33.3720° N, 96.9204° W
Denton 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 Pilot Point
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Pilot Point
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.