Natural Disaster Risk — ZIP Code 77005
Houston, Texas
Risk Summary for ZIP 77005
ZIP 77005 scores 8.7/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 77005, Texas
Located along the Gulf Coast, ZIP 77005 serves the Houston community. The diverse climate of this part of Texas — bringing an exceptionally varied climate from humid subtropical in the east to desert in the west — directly shapes the hazard exposure for properties in this postal area.
ZIP 77005's overall natural disaster risk is rated 8.7/10 (Very High) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include heat and hurricane.
Relative to other U.S. communities, ZIP 77005's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.6/10 state average. The hazard distribution here is led by cold wave and heat, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
The very high risk environment in ZIP 77005 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including cold wave. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for ZIP 77005: Cold Wave preparedness
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
Risk for the surrounding area
Local Factors for ZIP 77005
These city-level factors differentiate ZIP 77005 from other communities in Texas County and provide geographic context for its hazard exposure.
Population
28,874
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.7/10
Coordinates
29.7182° N, 95.4241° 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 77005
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.