Natural Disaster Risk — ZIP Code 78003

Natural Hazard Profile: ZIP 78003, Texas

ZIP 78003 covers part of the Bandera area, along the Gulf Coast. 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 78003's composite natural disaster risk at 5.9 out of 10 — moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for lightning and hail risk in their preparedness planning.

ZIP 78003's risk score, near 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 wildfire, lightning, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 78003's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that wildfire exposure is adequately protected is a worthwhile step for property owners.