Natural Disaster Risk in Three Rivers
Texas
Risk Summary for Three Rivers
Three Rivers scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Three Rivers, Texas
Three Rivers is a town of roughly 3,576 residents in Live Oak County, along the Gulf Coast. 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 Three Rivers.
FEMA rates Three Rivers's composite natural disaster risk at 4.7 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for cold wave and drought risk in their preparedness planning.
Three Rivers's risk score, slightly below the 5.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Live Oak County, the highest-scoring are hurricane, cold wave, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Three Rivers'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 hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for Three Rivers: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Local Factors for Three Rivers
These city-level factors differentiate Three Rivers from other communities in Live Oak County and provide geographic context for its hazard exposure.
Population
3,576
Small TownGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 28.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.3/10
Coordinates
28.4776° N, 98.1973° W
Live Oak 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 Three Rivers
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Three Rivers
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.