Natural Disaster Risk — ZIP Code 78626

Natural Hazard Profile: ZIP 78626, Texas

ZIP 78626 in Georgetown sits in the South Central United States. 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 78626 carries an overall risk score of 7.2/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to winter and cold wave.

Within Texas, ZIP 78626's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies hail as the foremost hazard, followed by winter and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 78626's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.