Natural Disaster Risk in Polk County
Texas
6.4out of 10
Risk Summary for Polk County
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Lightning Hurricane Strong Wind
All 18 Hazard Scores
Lightning 9.4
Hurricane 9.3
Strong Wind 9.0
Tornado 8.9
Cold Wave 8.8
Extreme Heat 8.0
Ice Storm 8.0
Wildfire 7.9
Landslide 5.6
Tsunami 5.4
Volcanic Activity 5.1
Winter Weather 5.0
Coastal Flooding 4.9
Avalanche 4.5
Earthquake 4.4
Hail 3.0
Drought 1.7
Riverine Flooding 1.0
How it compares
Polk County 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 — 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.
Cities in Polk County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.