Natural Disaster Risk — ZIP Code 77445
Hempstead, Texas
Risk Summary for ZIP 77445
ZIP 77445 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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 77445, Texas
ZIP 77445 covers part of the Hempstead 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 77445's composite natural disaster risk at 6.2 out of 10 — high risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for tornado and hurricane risk in their preparedness planning.
ZIP 77445's risk score, slightly above 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 drought, tornado, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 77445'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 77445: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Risk for the surrounding area
Local Factors for ZIP 77445
These city-level factors differentiate ZIP 77445 from other communities in Texas County and provide geographic context for its hazard exposure.
Population
16,142
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 30.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.4/10
Coordinates
30.0956° N, 96.0625° 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 77445
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.