Natural Disaster Risk — ZIP Code 78836

Natural Hazard Profile: ZIP 78836, Texas

ZIP 78836 in Catarina 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 78836 carries an overall risk score of 4.7/10, placing it in the moderate category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to drought and hurricane.

Within Texas, ZIP 78836's risk is, slightly below the 5.6/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies heat as the foremost hazard, followed by drought and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 78836'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 heat exposure is adequately protected is a worthwhile step for property owners.