🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 79776

Penwell, Texas

6.9out of 10
High Risk

Risk Summary for ZIP 79776

ZIP 79776 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Winter Weather Wildfire

All 18 Hazard Scores

Hail
9.9
Winter Weather
9.8
Wildfire
9.0
Strong Wind
8.9
Extreme Heat
8.8
Lightning
8.8
Tornado
8.5
Ice Storm
8.0
Cold Wave
7.2
Drought
6.4
Hurricane
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.8
Avalanche
4.5
Landslide
1.4
Riverine Flooding
1.0

How it compares

ZIP 79776
6.9
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: ZIP 79776, Texas

ZIP 79776 covers part of the Penwell area, in the Deep South. 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 79776's composite natural disaster risk at 6.9 out of 10 β€” high risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for winter and wildfire risk in their preparedness planning.

ZIP 79776's risk score, slightly above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hail, winter, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 79776 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 79776: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.

Risk for the surrounding area

Local Factors for ZIP 79776

These city-level factors differentiate ZIP 79776 from other communities in Texas County and provide geographic context for its hazard exposure.

Population

N/A

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.0/10

Coordinates

31.7751Β° N, 102.5557Β° 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 79776

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.