🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 78010

Center Point, Texas

6.5out of 10
High Risk

Risk Summary for ZIP 78010

ZIP 78010 scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Winter Weather Wildfire

All 18 Hazard Scores

Lightning
9.1
Winter Weather
9.0
Wildfire
8.6
Hail
8.3
Tornado
8.2
Drought
8.0
Hurricane
7.5
Extreme Heat
7.2
Landslide
7.0
Strong Wind
6.8
Cold Wave
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
2.7
Ice Storm
2.4
Riverine Flooding
1.0

How it compares

ZIP 78010
6.5
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 78010, Texas

Located along the Gulf Coast, ZIP 78010 serves the Center Point community. The diverse climate of this part of Texas β€” bringing an exceptionally varied climate from humid subtropical in the east to desert in the west β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 78010's overall natural disaster risk is rated 6.5/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include winter and wildfire.

Relative to other U.S. communities, ZIP 78010's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.6/10 state average. The hazard distribution here is led by lightning and winter, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 78010 residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning 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 78010: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Risk for the surrounding area

Local Factors for ZIP 78010

These city-level factors differentiate ZIP 78010 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

3,635

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.6/10

Coordinates

29.9112Β° N, 99.0470Β° 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 78010

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.