🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 77437

El Campo, Texas

6.3out of 10
High Risk

Risk Summary for ZIP 77437

ZIP 77437 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Cold Wave Drought

All 18 Hazard Scores

Hurricane
9.7
Drought
9.3
Cold Wave
9.3
Extreme Heat
8.1
Hail
7.9
Tornado
7.6
Lightning
7.3
Ice Storm
6.3
Wildfire
5.9
Tsunami
5.4
Strong Wind
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Winter Weather
4.5
Avalanche
4.5
Earthquake
3.5
Landslide
2.2
Riverine Flooding
1.0

How it compares

ZIP 77437
6.3
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 77437, Texas

Located along the Gulf Coast, ZIP 77437 serves the El Campo 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 77437's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include cold wave and drought.

Relative to other U.S. communities, ZIP 77437's natural disaster risk is 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 hurricane and cold wave, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 77437 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.

What this means for ZIP 77437: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.

Risk for the surrounding area

Local Factors for ZIP 77437

These city-level factors differentiate ZIP 77437 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

18,238

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.9/10

Coordinates

29.2045Β° N, 96.2733Β° 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 77437

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.