Natural Disaster Risk in Refugio County

Natural Hazard Profile: Refugio County, Texas

Situated in the United States, Refugio County in Texas experiences a diverse climate marked by an exceptionally varied climate from humid subtropical in the east to desert in the west. Overlapping tornado, hurricane, flood, and drought seasons is a defining feature of the regional hazard profile that affects residents and property owners countywide.

FEMA rates Refugio County's composite natural disaster risk at 4.8 out of 10 — moderate risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for hurricane and drought risk in their preparedness planning.

Relative to other U.S. communities, Refugio County's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.6/10 state average. The hazard distribution here is led by coastal flood and hurricane, as measured by FEMA across Refugio County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Refugio County's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.