Natural Disaster Risk in Texhoma

Natural Hazard Profile: Texhoma, Texas

Texhoma, in Sherman County, is a small unincorporated community situated in the Great Plains. 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 Texhoma residents and property owners must navigate.

Texhoma's overall natural disaster risk is rated 4.5/10 (Moderate) 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 cold wave and wildfire.

Within Texas, Texhoma'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.

Texhoma's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that drought exposure is adequately protected is a worthwhile step for property owners.