Natural Disaster Risk — ZIP Code 79086

Natural Hazard Profile: ZIP 79086, Texas

ZIP 79086 covers part of the Sunray area, in the Great Plains. 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 79086's composite natural disaster risk at 4.5 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for cold wave and wildfire risk in their preparedness planning.

ZIP 79086's risk score, slightly below the 5.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are drought, cold wave, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 79086'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 drought exposure is adequately protected is a worthwhile step for property owners.