🌍 ClimateRiskCheck

Natural Disaster Risk in Terrell County

Texas

2.9out of 10
Low Risk

Risk Summary for Terrell County

Terrell County scores 2.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Tsunami.

Top Hazards

Tsunami Wildfire Volcanic Activity

All 18 Hazard Scores

Tsunami
5.4
Wildfire
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.0
Extreme Heat
2.4
Landslide
2.4
Lightning
1.9
Ice Storm
1.8
Tornado
1.7
Strong Wind
1.7
Hail
1.7
Drought
1.7
Cold Wave
1.6
Winter Weather
1.5
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Terrell County
2.9
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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: Terrell County, Texas

Terrell County is located in the United States in Texas, home to roughly 757 residents. The county 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 natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Terrell County carries an overall risk score of 2.9/10, placing it in the low category. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. The area also faces notable exposure to wildfire and volcano.

Terrell County's risk score, considerably below the 5.6/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Terrell County, the highest-scoring are tsunami, wildfire, and volcano. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Despite its lower-than-average risk classification, Terrell County is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers tsunami β€” remains prudent for all residents.

What this means for Terrell County: Tsunami preparedness

  • If you feel strong shaking near the coast, move to high ground immediately β€” do not wait for an official warning.
  • Learn your community evacuation routes and the location of designated assembly areas.
  • Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.

Cities in Terrell County

ZIP codes in Terrell County

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