77708 Climate & Property Risk Report
Free address-level climate risk context for 77708 in Beaumont, Texas. Flood, wildfire, hurricane, earthquake, and heat — with insurance estimates and buyer guidance.
Beaumont, Texas 77708, United States
Data retrieved: Jun 18, 2026 at 10:44 UTC
Overall Risk
Top 19% nationally
County-level composite
Est. Annual Insurance
$2,213 – $4,426
Directional range
Premium Strain
3.27% of median income
elevated
Flood Insurance
Likely required
FEMA NFHL flagged SFHA
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
HIGH
Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Admitted Market Share
67%
Carriers exiting at 6.2% YoY in Texas.
Residual Market
$2,400–$5,400
annual · last-resort
FAIR Plan / Citizens exposure up 81% since 2020.
Premium Strain Index
Insurance is roughly 3.3% of median household income — above the 2% sustainability threshold.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $2,213 to $4,426. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Jefferson County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Below the national median (74th percentile)
Hurricane
LowBottom 20% nationally (89th percentile)
Earthquake
MinimalBelow the national median (77th percentile)
Extreme Heat
LowAbove the national median (top 33%)
Flood
SubstantialBelow the national median (80th percentile)
Wildfire
MinimalWhat each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Federal hurricane data unavailable; score is a seed estimate.
NOAA · National Risk Index (HRCN)
Earthquake Risk
USGS PGA: 0.038g at this location. NRI county data unavailable.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
NRI heat risk: Below the national median (62th percentile). NWS 7-day forecast: max 92°F, 0 day(s) ≥95°F.
NOAA · NWS Gridded Forecast + NRI
Flood Risk
Federal flood data unavailable for this location; score is a seed estimate.
FEMA · National Risk Index
Wildfire Risk
Federal wildfire data unavailable; score is a seed estimate.
USDA · National Risk Index
Lower-risk alternatives nearby
Communities within 25 miles of Texas 77708 with a measurably lower composite climate risk. Useful as a comp set when evaluating whether to negotiate on this address or pivot to a nearby one.
Lubbock, TX
Around the national median
8 miles away
El Paso, TX
Around the national median
15 miles away
Galveston, TX
Top 15% nationally
22 miles away
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Connect with a broker who writes in TXData Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved June 18, 2026
NOAA— National Risk Index (HRCN)
Retrieved June 18, 2026
USDA— National Risk Index
Retrieved June 18, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved June 18, 2026
NOAA— NWS Gridded Forecast + NRI
Retrieved June 18, 2026
What buyers should know
Buying in 77708: a risk primer
Before you write an offer on a home in Beaumont, understand how climate and insurance costs affect long-term ownership in 77708.
77708 in Beaumont, Texas, scores top 20% nationally on our composite climate-risk index. That ranking reflects the combined influence of flood risk (67) and hurricane wind exposure (26) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Flood risk in 77708
The flood risk score for 77708 is 67 (high), which is above the national median. 77708 maps to a FEMA Special Flood Hazard Area or near-SFHA zone in Beaumont. With FEMA's Risk Rating 2.0 now pricing policies by parcel-level risk rather than just zone, buyers here should expect flood premiums to rise over the life of ownership. A LOMA (Letter of Map Amendment) may help if the finished floor is clearly above the BFE, but the process takes 60–90 days.
For a specific address inside 77708, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Hurricane risk in 77708
The hurricane wind exposure score for 77708 is 26 (low), which is below the national median. Hurricane wind is not the primary driver of risk in 77708. The bigger question for most buyers here is whether a standard policy already includes wind coverage or whether a separate wind pool endorsement is required.
For a specific address inside 77708, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 77708, our directional estimate for a standard homeowners policy plus required hazard coverage is $2,213 – $4,426 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 3.27% of the Jefferson County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes flood risk and hurricane wind exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Texas-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 77708, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions
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Full Report
Tier L2
12-page address-level deep dive delivered in minutes.
- Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
- 30-year federal climate projections (FEMA, NOAA, USGS, EPA)
- Insurance premium estimate (range) based on state DOI filings
- Clear buy / negotiate / walk-away verdict, not a single ambiguous score
- 3 comparable lower-risk neighborhoods within 25 miles
- Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
- Explains what SFHA, BFE, EAL and residual-market mean in plain English
- Single PDF you can hand to your partner, agent, or inspector in one share
Best for: pre-offer sanity check
Delivered: 5 minutes after payment
Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Tier L3
Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
- State insurance market pressure + admitted-carrier density
- Premium Strain Index (% of county median income, vs. 5% unaffordable line)
- 10-year NOAA Storm Events claim history for the ZIP
- Negotiation leverage brief with 3-5 specific, evidence-backed asks
- Optional free connection to a licensed independent broker in your state
- Saves you from discovering an uninsurable address after you've gone under contract
- Removes guesswork on what to ask for in repairs, credits, or price reduction
- Analyst editorial sign-off so you can show your agent or lender a reviewed work product, not a raw export
Best for: under-contract buyers
Delivered: 24-hour analyst turnaround
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Free contract templates for Texas buyers
Download free climate-risk contingency addendums written for Texas purchase agreements. Add flood, hurricane, or extreme-heat contingencies to your offer.
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