🌍 ClimateRiskCheck

Natural Disaster Risk in Whitesboro

Texas

7.0out of 10
High Risk

Risk Summary for Whitesboro

Whitesboro scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Extreme Heat Tornado

All 18 Hazard Scores

Tornado
9.4
Hail
9.4
Extreme Heat
9.4
Ice Storm
9.3
Wildfire
8.8
Cold Wave
8.4
Earthquake
7.1
Hurricane
6.9
Landslide
6.6
Winter Weather
6.2
Lightning
6.2
Strong Wind
6.1
Drought
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Whitesboro
7.0
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: Whitesboro, Texas

Whitesboro, in Grayson County, is a city of approximately 11,229 residents situated in the interior eastern United States. 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 Whitesboro residents and property owners must navigate.

Whitesboro's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include heat and tornado.

Within Texas, Whitesboro's risk is, slightly above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Grayson County identifies hail as the foremost hazard, followed by heat and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Whitesboro residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 Whitesboro: Hail preparedness

  • 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.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Whitesboro

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

Population

11,229

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.8/10

Coordinates

33.7479Β° N, 96.9394Β° W

Grayson 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 Whitesboro

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Whitesboro

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.