🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76064

Maypearl, Texas

6.7out of 10
High Risk

Risk Summary for ZIP 76064

ZIP 76064 scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Extreme Heat Cold Wave

All 18 Hazard Scores

Hail
9.7
Extreme Heat
9.2
Cold Wave
9.0
Tornado
8.9
Wildfire
8.8
Lightning
8.8
Hurricane
6.8
Winter Weather
6.8
Ice Storm
6.5
Earthquake
5.7
Tsunami
5.4
Volcanic Activity
5.1
Strong Wind
4.9
Drought
4.9
Coastal Flooding
4.9
Landslide
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 76064
6.7
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: ZIP 76064, Texas

ZIP 76064 in Maypearl sits in the interior eastern United States. 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 76064 carries an overall risk score of 6.7/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to heat and cold wave.

Within Texas, ZIP 76064'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 Texas identifies hail as the foremost hazard, followed by heat and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 76064'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.

What this means for ZIP 76064: 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.

Risk for the surrounding area

Local Factors for ZIP 76064

These city-level factors differentiate ZIP 76064 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

2,513

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.3Β°

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

32.3076Β° N, 97.0323Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 76064

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Texas

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.