Natural Disaster Risk — ZIP Code 76402
Stephenville, Texas
Risk Summary for ZIP 76402
ZIP 76402 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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 76402, Texas
Located in the interior eastern United States, ZIP 76402 serves the Stephenville 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 76402's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include cold wave and tornado.
Relative to other U.S. communities, ZIP 76402's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by wildfire and cold wave, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 76402'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 76402: Wildfire preparedness
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
Risk for the surrounding area
Local Factors for ZIP 76402
These city-level factors differentiate ZIP 76402 from other communities in Texas County and provide geographic context for its hazard exposure.
Population
750
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.6/10
Coordinates
32.2173° N, 98.2170° 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 76402
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.