🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 78947

Lexington, Texas

5.3out of 10
Moderate Risk

Risk Summary for ZIP 78947

ZIP 78947 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Drought Hurricane

All 18 Hazard Scores

Cold Wave
8.8
Drought
8.5
Hurricane
8.2
Tornado
6.2
Hail
5.8
Extreme Heat
5.4
Tsunami
5.4
Wildfire
5.3
Volcanic Activity
5.1
Lightning
4.9
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
4.4
Ice Storm
4.4
Strong Wind
4.2
Earthquake
2.5
Landslide
2.0
Riverine Flooding
1.0

How it compares

ZIP 78947
5.3
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 78947, Texas

ZIP 78947 in Lexington 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 78947 carries an overall risk score of 5.3/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to drought and hurricane.

Within Texas, ZIP 78947's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Texas identifies cold wave 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.

With a moderate risk rating, ZIP 78947 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 cold wave is recommended.

What this means for ZIP 78947: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Risk for the surrounding area

Local Factors for ZIP 78947

These city-level factors differentiate ZIP 78947 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

5,044

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.3/10

Coordinates

30.4238Β° N, 97.0418Β° 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 78947

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.