🌍 ClimateRiskCheck

Natural Disaster Risk in Telephone

Texas

6.5out of 10
High Risk

Risk Summary for Telephone

Telephone scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Ice Storm Extreme Heat

All 18 Hazard Scores

Drought
9.9
Ice Storm
9.2
Extreme Heat
9.1
Tornado
8.9
Hail
8.9
Wildfire
7.4
Strong Wind
7.1
Cold Wave
6.8
Hurricane
6.6
Tsunami
5.4
Earthquake
5.3
Lightning
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
4.2
Landslide
2.7
Riverine Flooding
1.0

How it compares

Telephone
6.5
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Telephone, Texas

Telephone is a small community of about 1,244 in Fannin County, in the interior eastern United States. The area experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Telephone.

FEMA rates Telephone's composite natural disaster risk at 6.5 out of 10 β€” high risk. 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. Residents should also account for ice storm and heat risk in their preparedness planning.

Telephone's risk score, slightly above the 5.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Fannin County, the highest-scoring are drought, ice storm, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Telephone residents benefit from taking preparedness seriously. Reviewing insurance coverage for drought and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Telephone: Drought preparedness

  • 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.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.

Local Factors for Telephone

These city-level factors differentiate Telephone from other communities in Fannin County and provide geographic context for its hazard exposure.

Population

1,244

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.4/10

Coordinates

33.7763Β° N, 95.9890Β° W

Fannin 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 Telephone

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Telephone

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.