🌍 ClimateRiskCheck

Natural Disaster Risk in Stephens County

Texas

4.4out of 10
Moderate Risk

Risk Summary for Stephens County

Stephens County scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Hail Landslide

All 18 Hazard Scores

Wildfire
7.9
Hail
6.4
Landslide
6.0
Drought
5.5
Tsunami
5.4
Hurricane
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.7
Avalanche
4.5
Tornado
4.2
Cold Wave
3.7
Strong Wind
3.5
Ice Storm
3.0
Earthquake
2.2
Lightning
1.8
Winter Weather
1.6
Riverine Flooding
1.0

How it compares

Stephens County
4.4
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: Stephens County, Texas

Stephens 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, Stephens County carries an overall risk score of 4.4/10, 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 hail and landslide.

Within Texas, Stephens 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 Stephens County identifies wildfire as the foremost hazard, followed by hail and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Stephens 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 wildfire is recommended.

What this means for Stephens County: 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.

Cities in Stephens County

ZIP codes in Stephens County

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