Natural Disaster Risk in Santa Rosa
Texas
Risk Summary for Santa Rosa
Santa Rosa scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Santa Rosa, Texas
Santa Rosa, in Cameron County, is a town of roughly 5,455 residents 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 Santa Rosa residents and property owners must navigate.
Santa Rosa's overall natural disaster risk is rated 8.0/10 (Very High) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include hurricane and heat.
Within Texas, Santa Rosa's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Cameron County identifies cold wave as the foremost hazard, followed by hurricane and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
The very high risk environment in Santa Rosa warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including cold wave. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for Santa Rosa: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Santa Rosa
These city-level factors differentiate Santa Rosa from other communities in Cameron County and provide geographic context for its hazard exposure.
Population
5,455
Small TownGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 26.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.6/10
Coordinates
26.2700° N, 97.8219° W
Cameron 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 Santa Rosa
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Santa Rosa
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.