Natural Disaster Risk — ZIP Code 76364

Natural Hazard Profile: ZIP 76364, Texas

ZIP 76364 in Harrold 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 76364 carries an overall risk score of 5.6/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to hail and wind.

Within Texas, ZIP 76364'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 drought as the foremost hazard, followed by hail and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 76364'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 drought exposure is adequately protected is a worthwhile step for property owners.