🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76638

Crawford, Texas

7.3out of 10
High Risk

Risk Summary for ZIP 76638

ZIP 76638 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Cold Wave Extreme Heat

All 18 Hazard Scores

Tornado
9.9
Extreme Heat
9.7
Lightning
9.7
Cold Wave
9.7
Wildfire
9.1
Hail
9.1
Hurricane
8.8
Ice Storm
7.7
Strong Wind
7.0
Earthquake
6.9
Winter Weather
6.3
Drought
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.6
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 76638
7.3
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 76638, Texas

ZIP 76638 covers part of the Crawford area, in the Deep South. The surrounding region experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 76638's composite natural disaster risk at 7.3 out of 10 β€” high risk. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Residents should also account for cold wave and heat risk in their preparedness planning.

ZIP 76638's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tornado, cold wave, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 76638 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 76638: Tornado preparedness

  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 76638

These city-level factors differentiate ZIP 76638 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

3,671

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.1/10

Coordinates

31.5549Β° N, 97.4460Β° 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 76638

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.