🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76463

Mingus, Texas

6.2out of 10
High Risk

Risk Summary for ZIP 76463

ZIP 76463 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Cold Wave Tornado

All 18 Hazard Scores

Wildfire
9.6
Cold Wave
9.3
Tornado
8.5
Lightning
7.3
Hail
7.2
Hurricane
7.1
Drought
6.9
Extreme Heat
6.4
Strong Wind
5.8
Winter Weather
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.2
Earthquake
3.5
Landslide
3.5
Riverine Flooding
1.0

How it compares

ZIP 76463
6.2
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 76463, Texas

ZIP 76463 in Mingus 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 76463 carries an overall risk score of 6.2/10, placing it in the high 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 cold wave and tornado.

Within Texas, ZIP 76463's risk is, slightly above 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 cold wave and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 76463 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wildfire and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 76463: Wildfire preparedness

  • 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.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Risk for the surrounding area

Local Factors for ZIP 76463

These city-level factors differentiate ZIP 76463 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

577

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.6/10

Coordinates

32.4550Β° N, 98.4152Β° 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 76463

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.