🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 77320

Huntsville, Texas

6.6out of 10
High Risk

Risk Summary for ZIP 77320

ZIP 77320 scores 6.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Drought Hurricane

All 18 Hazard Scores

Tornado
9.3
Hurricane
8.9
Drought
8.9
Lightning
8.8
Cold Wave
8.6
Wildfire
8.1
Extreme Heat
8.1
Ice Storm
8.1
Winter Weather
5.4
Tsunami
5.4
Volcanic Activity
5.1
Hail
5.0
Coastal Flooding
4.9
Strong Wind
4.7
Landslide
4.7
Avalanche
4.5
Earthquake
4.0
Riverine Flooding
1.0

How it compares

ZIP 77320
6.6
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 77320, Texas

Located in the South Central United States, ZIP 77320 serves the Huntsville 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 77320's overall natural disaster risk is rated 6.6/10 (High) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include drought and hurricane.

Relative to other U.S. communities, ZIP 77320's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by tornado and drought, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 77320's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 77320: Tornado preparedness

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

Risk for the surrounding area

Local Factors for ZIP 77320

These city-level factors differentiate ZIP 77320 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

38,152

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.1/10

Coordinates

30.8067Β° N, 95.5569Β° 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 77320

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.