🌍 ClimateRiskCheck

Natural Disaster Risk in Valera

Texas

5.1out of 10
Moderate Risk

Risk Summary for Valera

Valera scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Wildfire Drought

All 18 Hazard Scores

Hail
8.3
Wildfire
8.2
Strong Wind
8.1
Drought
8.1
Hurricane
5.9
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Tornado
4.6
Avalanche
4.5
Extreme Heat
4.4
Lightning
3.9
Cold Wave
3.2
Ice Storm
2.4
Landslide
2.3
Earthquake
1.8
Riverine Flooding
1.0

How it compares

Valera
5.1
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Valera, Texas

Located in the Deep South in Coleman County, Valera is a small unincorporated community. The diverse climate that characterizes this part of Texas β€” marked by an exceptionally varied climate from humid subtropical in the east to desert in the west β€” directly influences the types and severity of natural hazards present, making Valera a community where hazard awareness has real practical value.

Valera's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include wildfire and drought.

Relative to other U.S. communities, Valera's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.6/10 state average. The hazard distribution here is led by hail and wildfire, as measured by FEMA across Coleman County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Valera residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.

What this means for Valera: Hail preparedness

  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.

Local Factors for Valera

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

Population

121

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

31.6965Β° N, 99.5641Β° W

Coleman 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 Valera

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Valera

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.