🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76671

Morgan, Texas

5.3out of 10
Moderate Risk

Risk Summary for ZIP 76671

ZIP 76671 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Wildfire Tornado

All 18 Hazard Scores

Lightning
9.2
Wildfire
8.7
Tornado
7.5
Hurricane
6.9
Hail
6.5
Extreme Heat
6.2
Tsunami
5.4
Cold Wave
5.4
Volcanic Activity
5.1
Drought
4.9
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
3.6
Landslide
3.3
Strong Wind
3.2
Earthquake
2.6
Winter Weather
2.1
Riverine Flooding
1.0

How it compares

ZIP 76671
5.3
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 76671, Texas

ZIP 76671 covers part of the Morgan 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 76671's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for wildfire and tornado risk in their preparedness planning.

ZIP 76671's risk score, near the 5.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are lightning, wildfire, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 76671 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.

What this means for ZIP 76671: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Risk for the surrounding area

Local Factors for ZIP 76671

These city-level factors differentiate ZIP 76671 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

2,093

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 32.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

31.9935Β° N, 97.5277Β° 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 76671

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.