🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 77657

Lumberton, Texas

6.4out of 10
High Risk

Risk Summary for ZIP 77657

ZIP 77657 scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Lightning

All 18 Hazard Scores

Hurricane
9.1
Lightning
9.1
Coastal Flooding
9.1
Ice Storm
9.0
Tornado
8.7
Wildfire
8.5
Cold Wave
7.6
Extreme Heat
7.3
Tsunami
5.4
Winter Weather
5.1
Volcanic Activity
5.1
Drought
4.9
Strong Wind
4.6
Avalanche
4.5
Earthquake
4.0
Hail
3.5
Landslide
2.8
Riverine Flooding
1.0

How it compares

ZIP 77657
6.4
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 77657, Texas

ZIP 77657 in Lumberton sits in the Deep South. 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 77657 carries an overall risk score of 6.4/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and lightning.

Within Texas, ZIP 77657'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 coastal flood as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 77657 residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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 77657: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 77657

These city-level factors differentiate ZIP 77657 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

22,258

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.5/10

Coordinates

30.2255Β° N, 94.1886Β° 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 77657

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.