Natural Disaster Risk — ZIP Code 77426

Natural Hazard Profile: ZIP 77426, Texas

ZIP 77426 in Chappell Hill 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 77426 carries an overall risk score of 6.3/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to cold wave and tornado.

Within Texas, ZIP 77426's risk is, slightly above the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies hurricane as the foremost hazard, followed by cold wave and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 77426 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.