Natural Disaster Risk — ZIP Code 78618

Natural Hazard Profile: ZIP 78618, Texas

ZIP 78618 covers part of the Doss area, in the South Central United States. 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 78618's composite natural disaster risk at 5.9 out of 10 — moderate 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 wildfire and drought risk in their preparedness planning.

ZIP 78618'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 hail, wildfire, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 78618'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 hail exposure is adequately protected is a worthwhile step for property owners.