🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76597

Gatesville, Texas

6.2out of 10
High Risk

Risk Summary for ZIP 76597

ZIP 76597 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Lightning Wildfire

All 18 Hazard Scores

Tornado
8.9
Lightning
8.8
Wildfire
8.5
Winter Weather
8.2
Hail
8.1
Cold Wave
8.0
Extreme Heat
7.4
Hurricane
7.2
Tsunami
5.4
Ice Storm
5.3
Drought
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
4.5
Avalanche
4.5
Landslide
3.4
Earthquake
2.7
Riverine Flooding
1.0

How it compares

ZIP 76597
6.2
Texas avg.
5.6
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 76597, Texas

Located in the Deep South, ZIP 76597 serves the Gatesville community. The diverse climate of this part of Texas β€” bringing an exceptionally varied climate from humid subtropical in the east to desert in the west β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 76597's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include lightning and wildfire.

Relative to other U.S. communities, ZIP 76597'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 tornado and lightning, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 76597 residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado 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 76597: Tornado preparedness

  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.

Risk for the surrounding area

Local Factors for ZIP 76597

These city-level factors differentiate ZIP 76597 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

3,005

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.5/10

Coordinates

31.4845Β° N, 97.7098Β° 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 76597

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.