Natural Disaster Risk — ZIP Code 78162

Natural Hazard Profile: ZIP 78162, Texas

ZIP 78162 covers part of the Tuleta 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 78162's composite natural disaster risk at 5.8 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for drought and heat risk in their preparedness planning.

ZIP 78162'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 hurricane, drought, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 78162'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 hurricane exposure is adequately protected is a worthwhile step for property owners.