🌍 ClimateRiskCheck

Natural Disaster Risk in Winona

Texas

7.3out of 10
High Risk

Risk Summary for Winona

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

Top Hazards

Extreme Heat Lightning Cold Wave

All 18 Hazard Scores

Extreme Heat
9.7
Lightning
9.6
Cold Wave
9.4
Strong Wind
9.3
Ice Storm
9.0
Winter Weather
8.9
Hail
8.7
Wildfire
8.3
Hurricane
8.3
Landslide
7.8
Earthquake
7.3
Tornado
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
1.7
Riverine Flooding
1.0

How it compares

Winona
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: Winona, Texas

Winona is a town of roughly 3,898 residents in Smith County, in the interior eastern United States. 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 Winona.

FEMA rates Winona's composite natural disaster risk at 7.3 out of 10 β€” high risk. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Residents should also account for lightning and cold wave risk in their preparedness planning.

Winona's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Smith County, the highest-scoring are heat, lightning, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Winona residents benefit from taking preparedness seriously. Reviewing insurance coverage for heat 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 Winona: Extreme Heat preparedness

  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.
  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.

Local Factors for Winona

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

Population

3,898

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.3/10

Coordinates

32.4679Β° N, 95.1062Β° W

Smith 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 Winona

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Winona

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.