Natural Disaster Risk in Rock Island
Texas
Risk Summary for Rock Island
Rock Island scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Rock Island, Texas
Rock Island, in Colorado 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 Rock Island residents and property owners must navigate.
Rock Island's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include hurricane and cold wave.
Within Texas, Rock Island's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Colorado County identifies drought as the foremost hazard, followed by hurricane and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Rock Island residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for Rock Island: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Rock Island
These city-level factors differentiate Rock Island from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
414
RuralGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.6/10
Coordinates
29.5278° N, 96.5530° W
Colorado 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 Rock Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Rock Island
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.