Natural Disaster Risk — ZIP Code 76436

Natural Hazard Profile: ZIP 76436, Texas

ZIP 76436 in Carlton sits in the Deep South. 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 76436 carries an overall risk score of 5.7/10, placing it in the moderate 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 hail and drought.

Within Texas, ZIP 76436'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 wildfire as the foremost hazard, followed by hail and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 76436'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 wildfire exposure is adequately protected is a worthwhile step for property owners.