Natural Disaster Risk — ZIP Code 75938

Natural Hazard Profile: ZIP 75938, Texas

ZIP 75938 in Colmesneil sits in the Deep South. Its diverse climate produces an exceptionally varied climate from humid subtropical in the east to desert in the west, and notably overlapping tornado, hurricane, flood, and drought seasons. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 75938 carries an overall risk score of 5.8/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to wildfire and ice storm.

Within Texas, ZIP 75938's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies hurricane as the foremost hazard, followed by wildfire and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 75938's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.