Natural Disaster Risk in Sterling City
Texas
Risk Summary for Sterling City
Sterling City scores 3.5/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Sterling City, Texas
Sterling City, in Sterling County, is a small community of about 1,468 situated in the Deep South. 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 Sterling City residents and property owners must navigate.
Sterling City's overall natural disaster risk is rated 3.5/10 (Low) 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 wildfire and tsunami.
Within Texas, Sterling City's risk is, considerably below the 5.6/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Sterling County identifies drought as the foremost hazard, followed by wildfire and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Sterling City carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — drought — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Sterling City: 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 Sterling City
These city-level factors differentiate Sterling City from other communities in Sterling County and provide geographic context for its hazard exposure.
Population
1,468
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 31.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.4/10
Coordinates
31.8126° N, 101.0471° W
Sterling 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 Sterling City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Sterling City
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.