Natural Disaster Risk — ZIP Code 76874

Natural Hazard Profile: ZIP 76874, Texas

ZIP 76874 in Roosevelt sits in the South Central 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 76874 carries an overall risk score of 4.7/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to wildfire and drought.

Within Texas, ZIP 76874's risk is, slightly below the 5.6/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies lightning as the foremost hazard, followed by wildfire and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 76874'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.