🌍 ClimateRiskCheck

Natural Disaster Risk in Waco

Texas

7.3out of 10
High Risk

Risk Summary for Waco

Waco scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Cold Wave Extreme Heat

All 18 Hazard Scores

Tornado
9.9
Extreme Heat
9.7
Lightning
9.7
Cold Wave
9.7
Wildfire
9.1
Hail
9.1
Hurricane
8.8
Ice Storm
7.7
Strong Wind
7.0
Earthquake
6.9
Winter Weather
6.3
Drought
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.6
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Waco
7.3
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: Waco, Texas

Located in the Deep South in McLennan County, Waco is a city of approximately 41,627 residents. 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 Waco a community where hazard awareness has real practical value.

FEMA rates Waco's composite natural disaster risk at 7.3 out of 10 β€” high risk. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. Residents should also account for cold wave and heat risk in their preparedness planning.

Relative to other U.S. communities, Waco's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.6/10 state average. The hazard distribution here is led by tornado and cold wave, as measured by FEMA across McLennan County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Waco residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado 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 Waco: Tornado preparedness

  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.

Local Factors for Waco

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

Population

41,627

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.1/10

Coordinates

31.4650Β° N, 97.0913Β° W

McLennan 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 Waco

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Waco

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.