🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 78222

San Antonio, Texas

8.0out of 10
Very High Risk

Risk Summary for ZIP 78222

ZIP 78222 scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Tornado Extreme Heat

All 18 Hazard Scores

Tornado
10.0
Hail
10.0
Extreme Heat
9.9
Lightning
9.7
Cold Wave
9.5
Wildfire
9.3
Winter Weather
9.0
Hurricane
8.9
Strong Wind
8.9
Landslide
8.7
Ice Storm
8.3
Drought
7.3
Earthquake
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 78222
8.0
Texas avg.
5.6
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 78222, Texas

ZIP 78222 covers part of the San Antonio 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 78222's composite natural disaster risk at 8.0 out of 10 β€” very high risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for tornado and heat risk in their preparedness planning.

ZIP 78222's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hail, tornado, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

The very high risk environment in ZIP 78222 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including hail. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.

What this means for ZIP 78222: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.

Risk for the surrounding area

Local Factors for ZIP 78222

These city-level factors differentiate ZIP 78222 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

26,476

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.3/10

Coordinates

29.3679Β° N, 98.3833Β° 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 78222

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.