Natural Disaster Risk — ZIP Code 76430

Natural Hazard Profile: ZIP 76430, Texas

ZIP 76430 in Albany 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 76430 carries an overall risk score of 3.8/10, placing it in the low category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to drought and hail.

Within Texas, ZIP 76430's risk is, considerably below the 5.6/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies wildfire as the foremost hazard, followed by drought and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 76430 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — wildfire — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.