Natural Disaster Risk — ZIP Code 76384
Vernon, Texas
Risk Summary for ZIP 76384
ZIP 76384 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 76384, Texas
Located in the interior eastern United States, ZIP 76384 serves the Vernon 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 76384's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include hail and wind.
Relative to other U.S. communities, ZIP 76384's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.6/10 state average. The hazard distribution here is led by drought and hail, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 76384'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.
What this means for ZIP 76384: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Risk for the surrounding area
Local Factors for ZIP 76384
These city-level factors differentiate ZIP 76384 from other communities in Texas County and provide geographic context for its hazard exposure.
Population
12,069
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.8/10
Coordinates
34.1435° N, 99.3207° 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 76384
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.