Natural Disaster Risk — ZIP Code 78643

Natural Hazard Profile: ZIP 78643, Texas

Located in the South Central United States, ZIP 78643 serves the Llano 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 78643's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include wildfire and winter.

Relative to other U.S. communities, ZIP 78643's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.6/10 state average. The hazard distribution here is led by hail and wildfire, as measured by FEMA across Texas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 78643'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.