🌍 ClimateRiskCheck

Natural Disaster Risk in Sherman County

Texas

4.5out of 10
Moderate Risk

Risk Summary for Sherman County

Sherman County scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Cold Wave Wildfire

All 18 Hazard Scores

Drought
9.9
Cold Wave
7.8
Wildfire
7.0
Winter Weather
6.0
Hail
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Lightning
3.7
Ice Storm
3.3
Earthquake
2.9
Tornado
2.9
Hurricane
2.4
Strong Wind
2.1
Extreme Heat
1.8
Landslide
1.3
Riverine Flooding
1.0

How it compares

Sherman County
4.5
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: Sherman County, Texas

Sherman County, in the United States in Texas, is characterized by its diverse climate β€” an exceptionally varied climate from humid subtropical in the east to desert in the west. The county faces overlapping tornado, hurricane, flood, and drought seasons, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.

According to FEMA's National Risk Index, Sherman County carries an overall risk score of 4.5/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to cold wave and wildfire.

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

With a moderate risk rating, Sherman County 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 drought is recommended.

What this means for Sherman County: 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.

Cities in Sherman County

ZIP codes in Sherman County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.