🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 77591

Texas City, Texas

7.4out of 10
High Risk

Risk Summary for ZIP 77591

ZIP 77591 scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Coastal Flooding Hurricane

All 18 Hazard Scores

Cold Wave
9.9
Hurricane
9.8
Lightning
9.8
Coastal Flooding
9.8
Tornado
9.7
Drought
9.7
Extreme Heat
9.4
Ice Storm
9.2
Wildfire
8.7
Hail
7.2
Earthquake
6.2
Strong Wind
5.8
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Landslide
3.0
Winter Weather
2.6
Riverine Flooding
1.0

How it compares

ZIP 77591
7.4
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 77591, Texas

ZIP 77591 in Texas City sits along the Gulf Coast. 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 77591 carries an overall risk score of 7.4/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to coastal flood and hurricane.

Within Texas, ZIP 77591's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies cold wave as the foremost hazard, followed by coastal flood and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 77591'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 77591: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Risk for the surrounding area

Local Factors for ZIP 77591

These city-level factors differentiate ZIP 77591 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

18,294

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

29.3997Β° N, 95.0007Β° 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 77591

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.