Natural Disaster Risk — ZIP Code 75454

Natural Hazard Profile: ZIP 75454, Texas

Located in the interior eastern United States, ZIP 75454 serves the Melissa community. The diverse climate of this part of Texas — bringing an exceptionally varied climate from humid subtropical in the east to desert in the west — directly shapes the hazard exposure for properties in this postal area.

ZIP 75454's overall natural disaster risk is rated 7.5/10 (High) 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 tornado and heat.

Relative to other U.S. communities, ZIP 75454'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 hail and tornado, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 75454's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.