🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 78338

Armstrong, Texas

3.5out of 10
Low Risk

Risk Summary for ZIP 78338

ZIP 78338 scores 3.5/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hurricane Tsunami

All 18 Hazard Scores

Cold Wave
9.3
Hurricane
8.2
Tsunami
5.4
Wildfire
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.1
Ice Storm
2.5
Extreme Heat
1.9
Hail
1.8
Tornado
1.6
Strong Wind
1.4
Winter Weather
1.4
Lightning
1.4
Earthquake
1.3
Landslide
1.3
Riverine Flooding
1.0

How it compares

ZIP 78338
3.5
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

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

Natural Hazard Profile: ZIP 78338, Texas

ZIP 78338 in Armstrong 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 78338 carries an overall risk score of 3.5/10, placing it in the low category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to hurricane and tsunami.

Within Texas, ZIP 78338's risk is, considerably below the 5.6/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies cold wave as the foremost hazard, followed by hurricane and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Despite its lower-than-average risk classification, ZIP 78338 is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers cold wave β€” remains prudent for all residents.

What this means for ZIP 78338: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Risk for the surrounding area

Local Factors for ZIP 78338

These city-level factors differentiate ZIP 78338 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

36

Rural

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 26.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.2/10

Coordinates

26.8682Β° N, 97.7358Β° 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 78338

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.