Natural Disaster Risk — ZIP Code 77520

Baytown, Texas

8.7out of 10

Very High Risk

Risk Summary for ZIP 77520

This area faces significantly elevated natural disaster risk compared to most of the US. Review your insurance coverage carefully.

Top Hazards

Cold Wave Extreme Heat Hurricane

All 18 Hazard Scores

Tornado

10.0

Hurricane

10.0

Extreme Heat

10.0

Lightning

10.0

Cold Wave

10.0

Ice Storm

10.0

Strong Wind

9.9

Coastal Flooding

9.8

Earthquake

9.3

Hail

9.3

Winter Weather

9.0

Landslide

9.0

Wildfire

8.7

Drought

7.8

Tsunami

5.4

Volcanic Activity

5.1

Avalanche

4.5

Riverine Flooding

1.0

How it compares

ZIP 77520

8.7

Texas avg.

5.6

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

High-risk area — review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Other cities in Texas

Katy7.9/10 Pflugerville7.8/10 Cypress8.7/10 Houston8.7/10 New Braunfels6.8/10 El Paso7.7/10 Leander7.8/10 League City7.4/10

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.