🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 76690

Walnut Springs, Texas

5.3out of 10
Moderate Risk

Risk Summary for ZIP 76690

ZIP 76690 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 76690
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 76690, Texas

Located in the interior eastern United States, ZIP 76690 serves the Walnut Springs 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 76690's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include wildfire and tornado.

Relative to other U.S. communities, ZIP 76690's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.6/10 state average. The hazard distribution here is led by lightning and wildfire, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 76690'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 lightning exposure is adequately protected is a worthwhile step for property owners.

What this means for ZIP 76690: Lightning preparedness

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

Risk for the surrounding area

Local Factors for ZIP 76690

These city-level factors differentiate ZIP 76690 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

1,214

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.1Β°

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

32.1031Β° N, 97.7922Β° 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 76690

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.