🌍 ClimateRiskCheck

Natural Disaster Risk in Rio Frio

Texas

4.0out of 10
Moderate Risk

Risk Summary for Rio Frio

Rio Frio scores 4.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Hurricane Tsunami

All 18 Hazard Scores

Wildfire
7.6
Hurricane
6.4
Tsunami
5.4
Landslide
5.3
Volcanic Activity
5.1
Drought
4.9
Coastal Flooding
4.9
Avalanche
4.5
Lightning
4.1
Winter Weather
3.4
Hail
3.3
Extreme Heat
3.0
Cold Wave
2.8
Tornado
2.7
Strong Wind
1.8
Ice Storm
1.7
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Rio Frio
4.0
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Rio Frio, Texas

Rio Frio, in Real County, is a small unincorporated community situated along the Gulf Coast. 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 Rio Frio residents and property owners must navigate.

According to FEMA's National Risk Index, Rio Frio carries an overall risk score of 4.0/10, placing it in the moderate category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to hurricane and tsunami.

Within Texas, Rio Frio's risk is, considerably below the 5.6/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Real County identifies wildfire as the foremost hazard, followed by hurricane and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Rio Frio residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Rio Frio: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Rio Frio

These city-level factors differentiate Rio Frio from other communities in Real County and provide geographic context for its hazard exposure.

Population

184

Rural

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.6/10

Coordinates

29.6435Β° N, 99.7173Β° W

Real 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 Rio Frio

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Rio Frio

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.