Natural Disaster Risk — ZIP Code 78631

Natural Hazard Profile: ZIP 78631, Texas

Located in the South Central United States, ZIP 78631 serves the Harper community. The diverse climate of this part of Texas — bringing an exceptionally varied climate from humid subtropical in the east to desert in the west — directly shapes the hazard exposure for properties in this postal area.

ZIP 78631's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include wildfire and drought.

Relative to other U.S. communities, ZIP 78631's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.6/10 state average. The hazard distribution here is led by lightning and wildfire, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 78631 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.