🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 78837

Comstock, Texas

5.8out of 10
Moderate Risk

Risk Summary for ZIP 78837

ZIP 78837 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Winter Weather Hail

All 18 Hazard Scores

Wildfire
8.7
Winter Weather
8.6
Hail
8.4
Lightning
7.4
Extreme Heat
7.3
Hurricane
7.2
Drought
6.8
Landslide
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.8
Cold Wave
4.8
Avalanche
4.5
Earthquake
3.2
Strong Wind
2.8
Ice Storm
2.5
Riverine Flooding
1.0

How it compares

ZIP 78837
5.8
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 78837, Texas

ZIP 78837 covers part of the Comstock area, along the Gulf Coast. 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 78837's composite natural disaster risk at 5.8 out of 10 β€” moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for winter and hail risk in their preparedness planning.

ZIP 78837'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 wildfire, winter, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 78837 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for ZIP 78837: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Risk for the surrounding area

Local Factors for ZIP 78837

These city-level factors differentiate ZIP 78837 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

128

Rural

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.7/10

Coordinates

29.9271Β° N, 101.2806Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 78837

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Texas

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.