Natural Disaster Risk — ZIP Code 78029

Natural Hazard Profile: ZIP 78029, Texas

ZIP 78029 in Kerrville 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 78029 carries an overall risk score of 6.5/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to winter and wildfire.

Within Texas, ZIP 78029'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 lightning as the foremost hazard, followed by winter and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 78029 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.