Natural Disaster Risk — ZIP Code 77836
Caldwell, Texas
Risk Summary for ZIP 77836
ZIP 77836 scores 5.2/10 (Moderate 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
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 77836, Texas
Located in the South Central United States, ZIP 77836 serves the Caldwell community. The diverse climate of this part of Texas — bringing an exceptionally varied climate from humid subtropical in the east to desert in the west — directly shapes the hazard exposure for properties in this postal area.
ZIP 77836's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include hurricane and cold wave.
Relative to other U.S. communities, ZIP 77836's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.6/10 state average. The hazard distribution here is led by drought and hurricane, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 77836 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for ZIP 77836: Drought preparedness
- 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.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Risk for the surrounding area
Local Factors for ZIP 77836
These city-level factors differentiate ZIP 77836 from other communities in Texas County and provide geographic context for its hazard exposure.
Population
12,670
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 30.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.0/10
Coordinates
30.5380° N, 96.6781° 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 77836
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.