🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 77331

Coldspring, Texas

5.3out of 10
Moderate Risk

Risk Summary for ZIP 77331

ZIP 77331 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Hurricane Lightning

All 18 Hazard Scores

Tornado
9.1
Hurricane
8.3
Lightning
7.7
Wildfire
7.2
Ice Storm
6.5
Extreme Heat
6.3
Cold Wave
6.1
Tsunami
5.4
Volcanic Activity
5.1
Strong Wind
5.0
Coastal Flooding
4.9
Avalanche
4.5
Landslide
4.0
Hail
3.8
Earthquake
3.0
Winter Weather
1.8
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 77331
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 77331, Texas

ZIP 77331 covers part of the Coldspring area, in the South Central United States. 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 77331's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Residents should also account for hurricane and lightning risk in their preparedness planning.

ZIP 77331'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 tornado, hurricane, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 77331 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 tornado is recommended.

What this means for ZIP 77331: Tornado preparedness

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

Risk for the surrounding area

Local Factors for ZIP 77331

These city-level factors differentiate ZIP 77331 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

7,556

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.2/10

Coordinates

30.6193Β° N, 95.1771Β° 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 77331

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.