79413 Climate & Property Risk Report
Free address-level climate risk context for 79413 in Lubbock, Texas. Flood, wildfire, hurricane, earthquake, and heat — with insurance estimates and buyer guidance.
Lubbock, Texas 79413, United States
Data retrieved: Jun 20, 2026 at 07:58 UTC
Overall Risk
Around the national median
County-level composite
Est. Annual Insurance
$1,362 – $2,723
Directional range
Premium Strain
2.3% of median income
moderate
Flood Insurance
Not required
Parcel falls outside 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 2.3% of median household income — manageable but worth budgeting for.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,362 to $2,723. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Lubbock 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).
Around the national median
Hurricane
LowBottom 20% nationally (safer than most)
Earthquake
MinimalTop 10% most at-risk nationally
Extreme Heat
ExtremeBelow the national median (safer than most)
Flood
LowAround the national median
Wildfire
ModerateTop 5% most at-risk nationally
Severe Storm / Tornado
ExtremeWhat 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
NRI inland hurricane / tropical-storm remnant risk: Around the national median for inland wind/rain exposure (county-level, based on historical storm tracks). Coastal storm surge does not apply here.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: 0.035g (site class D). Geologically stable region; earthquake is not a meaningful property risk here.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
NRI heat risk: Top 20% most at-risk nationally. NWS 7-day forecast: max 104°F, 6 day(s) >=95°F.
NOAA · NWS Gridded Forecast + NRI
Flood Risk
Parcel is in FEMA Flood Zone X – AREA OF MINIMAL FLOOD HAZARD. County NRI flood risk: Top 10% most at-risk nationally (parcel query combined with county NRI percentile).
FEMA · NFHL + National Risk Index
Wildfire Risk
USDA Wildfire Hazard Potential: Very Low (Class 1/5). NRI wildfire risk: Top 15% most at-risk nationally.
USDA · WHP + National Risk Index
Severe Storm / Tornado
NRI tornado / severe-storm risk: Top 5% most at-risk nationally for tornado and severe-thunderstorm exposure (county-level, based on historical tornado tracks and hail/wind reports).
FEMA · National Risk Index (TRND)
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— NFHL + National Risk Index
Retrieved June 20, 2026
FEMA— National Risk Index (HRCN)
Retrieved June 20, 2026
USDA— WHP + National Risk Index
Retrieved June 20, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved June 20, 2026
NOAA— NWS Gridded Forecast + NRI
Retrieved June 20, 2026
FEMA— National Risk Index (TRND)
Retrieved June 20, 2026
What buyers should know
Buying in 79413: a risk primer
Before you write an offer on a home in Lubbock, understand how climate and insurance costs affect long-term ownership in 79413.
79413 in Lubbock, Texas, scores around the national median on our composite climate-risk index. That ranking reflects the combined influence of tornado (99), extreme heat exposure (92), and wildfire exposure (52) 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.
Tornado risk in 79413
The tornado score for 79413 is 99 (extreme), which is well above the national median.
For a specific address inside 79413, 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.
Heat risk in 79413
The extreme heat exposure score for 79413 is 92 (extreme), which is well above the national median. 79413 experiences severe extreme-heat exposure. This translates directly into higher cooling costs, accelerated roof and HVAC wear, and reduced outdoor usability for parts of the year. Buyers should budget for higher-efficiency cooling and check the age of the existing HVAC system.
For a specific address inside 79413, 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.
Wildfire risk in 79413
The wildfire exposure score for 79413 is 52 (moderate), which is around or slightly above the national median. Wildfire risk in 79413 is moderate and usually tied to vegetated edges or WUI proximity rather than dense forest. Still, carriers in Texas are increasingly using parcel-level wildfire scores to price or decline coverage, so a pre-close quote is wise.
For a specific address inside 79413, 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 79413, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,362 – $2,723 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 2.3% of the Lubbock County median household income — a moderate 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 tornado, extreme heat exposure, and wildfire 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 79413, 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
Ready to underwrite 79413?
Get the full address-level report
The free ZIP snapshot shows area-level risk. The $19 report narrows it to the exact property you're buying.
Full Report
Tier L2
12-page address-level deep dive delivered by email within 24 hours of payment.
- 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: by email within 24 hours of payment
Federal data: FEMA, USGS, NOAA, USDA, EPA
付款后 24 小时内，报告将发送至您支付时提交的邮箱。Delivered by email within 24 hours of payment.
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. Delivered by email within 24 hours of payment.
- 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: by email within 24 hours of payment
Includes: editorial sign-off + 7-day refund
付款后 24 小时内，报告将发送至您支付时提交的邮箱。Delivered by email within 24 hours of payment.
Free contract templates for Texas buyers
Download free climate-risk contingency addendums written for Texas purchase agreements. Add tornado, extreme-heat, or wildfire contingencies to your offer.
Browse free templates