Natural Disaster Risk in Ratcliff
Texas
6.3out of 10
Risk Summary for Ratcliff
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Lightning Cold Wave Hurricane
All 18 Hazard Scores
Lightning 9.9
Cold Wave 8.9
Hurricane 8.5
Drought 8.4
Wildfire 8.1
Extreme Heat 7.5
Ice Storm 7.0
Tornado 6.8
Strong Wind 5.8
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Landslide 4.5
Avalanche 4.5
Winter Weather 4.3
Earthquake 3.9
Hail 3.6
Riverine Flooding 1.0
How it compares
Ratcliff 6.3
Texas avg. 5.6
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 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.
ZIP Codes in Ratcliff
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.