State Risk Profile
Texas TX
Texas pages should translate large, uneven risk patterns into plain-English buyer decisions around heat, flood timing, and insurance variability.
Extreme HeatFloodHurricane
Statewide Profile
- Population
- 30.5M
- Insurance Market
- Moderate Pressure
- Cities Profiled
- 23
- Last Reviewed
- 2026-06-06
Risk Summary
Texas spans several hazard regimes at once: Gulf flooding and hurricanes, inland heat, flash flooding, and smoke or wildfire on the edges.
Houston and Gulf markets carry the strongest flood and wind exposure, while inland metros skew toward heat and localized flood risk.
Insurance Market
Texas insurance remains broadly available but increasingly uneven, with sharp variation by flood history, roof condition, and coastal exposure.
- Flood risk remains underappreciated in several inland markets.
- Coastal and flood-prone areas can see meaningful premium jumps after major events.
Notable Events
Significant state-level events
2017Flood
Hurricane Harvey
Harvey remains the reference point for Texas flood risk and urban drainage failure.
2023Extreme Heat
Record statewide heat
Long heat duration affected energy demand and household carrying costs across Texas.
City Directory
23 cities profiled in Texas
Amarillo
Potter County
WildfireEarthquake
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Top 10% most at-risk nationally
Arlington
Tarrant County
Extreme HeatFlood
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Top 5% most at-risk nationally
Austin
Travis County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Beaumont
Jefferson County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Brownsville
Cameron County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Corpus Christi
Nueces County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Dallas
Dallas County
Extreme HeatFlood
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Top 5% most at-risk nationally
El Paso
El Paso County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Fort Worth
Tarrant County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Frisco
Collin County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Galveston
Galveston County
HurricaneExtreme Heat
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Top 5% most at-risk nationally
Houston
Harris County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
Irving
Dallas County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Killeen
Bell County
Extreme HeatWildfire
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Top 10% most at-risk nationally
Laredo
Webb County
Extreme HeatFlood
View full report
Top 15% most at-risk nationally
Lubbock
Lubbock County
FloodWildfire
View full report
Top 5% most at-risk nationally
McAllen
Hidalgo County
HurricaneExtreme Heat
View full report
Top 5% most at-risk nationally
McKinney
Collin County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Midland
Midland County
WildfireFlood
View full report
Top 19% most at-risk nationally
Plano
Collin County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
San Antonio
Bexar County
FloodExtreme Heat
View full report
Top 5% most at-risk nationally
Tyler
Smith County
Extreme HeatFlood
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Top 16% most at-risk nationally
Waco
McLennan County
Extreme HeatWildfire
View full report
Top 10% most at-risk nationally
Location Reports
Active Address Risk Reports in Texas
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Texas.
75002Allen75006Carrollton75007Carrollton75009Celina75010Carrollton75013Allen75019Coppell75020Denison75022Flower Mound75023Plano75024Plano75025Plano75028Flower Mound75032Rockwall75033Frisco75034Frisco75035Frisco75036Frisco75038Irving75039Irving75040Garland75041Garland75042Garland75043Garland75044Garland75048Sachse75050Grand Prairie75051Grand Prairie75052Grand Prairie75056The Colony75060Irving75061Irving75062Irving75063Irving75067Lewisville75068Little Elm75069Mckinney75070Mckinney75071Mckinney75072Mckinney75074Plano75075Plano75077Lewisville75078Prosper75080Richardson75081Richardson75082Richardson75087Rockwall75088Rowlett75089Rowlett75090Sherman75092Sherman75093Plano75094Plano75098Wylie75104Cedar Hill75110Corsicana75115Desoto75119Ennis75126Forney75142Kaufman75146Lancaster75149Mesquite75150Mesquite75154Red Oak75159Seagoville75160Terrell75165Waxahachie75180Balch Springs75181Mesquite75189Royse City75201Dallas75202Dallas75203Dallas75204Dallas75205Dallas75206Dallas75207Dallas75208Dallas75209Dallas75210Dallas75211Dallas75212Dallas75214Dallas75215Dallas75216Dallas75217Dallas75218Dallas75219Dallas75220Dallas75223Dallas75224Dallas75225Dallas75226Dallas75227Dallas75228Dallas75229Dallas75230Dallas75231Dallas75232Dallas75233Dallas75234Dallas75235Dallas75236Dallas75237Dallas75238Dallas75240Dallas75241Dallas75243Dallas75244Dallas75246Dallas75248Dallas75249Dallas75251Dallas75252Dallas75253Dallas75254Dallas75287Dallas75407Princeton75409Anna75455Mount Pleasant75460Paris75482Sulphur Springs75501Texarkana75503Texarkana75604Longview75605Longview75662Kilgore75701Tyler75702Tyler75703Tyler75766Jacksonville75901Lufkin75904Lufkin76001Arlington76002Arlington76006Arlington76008Aledo76010Arlington76011Arlington76012Arlington76013Arlington76014Arlington76016Arlington76017Arlington76018Arlington76020Azle76021Bedford76028Burleson76033Cleburne76034Colleyville76036Crowley76039Euless76040Euless76048Granbury76049Granbury76051Grapevine76052Haslet76053Hurst76063Mansfield76065Midlothian76082Springtown76086Weatherford76087Weatherford76092Southlake76102Fort Worth76103Fort Worth76104Fort Worth76105Fort Worth76106Fort Worth76107Fort Worth76108Fort Worth76109Fort Worth76110Fort Worth76111Fort Worth76112Fort Worth76114Fort Worth76115Fort Worth76116Fort Worth76117Haltom City76118Fort Worth76119Fort Worth76120Fort Worth76123Fort Worth76126Fort Worth76129Fort Worth76131Fort Worth76132Fort Worth76133Fort Worth76134Fort Worth76135Fort Worth76137Fort Worth76140Fort Worth76148Fort Worth76155Fort Worth76164Fort Worth76177Fort Worth76179Fort Worth76180North Richland Hills76182North Richland Hills76201Denton76208Denton76209Denton76210Denton76226Argyle76227Aubrey76240Gainesville76244Keller76248Keller76262Roanoke76401Stephenville76502Temple76504Temple76513Belton76522Copperas Cove76542Killeen76543Killeen76544Fort Cavazos76548Harker Heights76549Killeen76705Waco76706Waco76708Waco76710Waco76712Woodway76801Brownwood76901San Angelo76903San Angelo76904San Angelo77002Houston77003Houston77004Houston77005Houston77006Houston77007Houston77008Houston77009Houston77011Houston77012Houston77013Houston77014Houston77015Houston77016Houston77017Houston77018Houston77019Houston77020Houston77021Houston77022Houston77023Houston77024Houston77025Houston77026Houston77027Houston77028Houston77029Houston77030Houston77031Houston77032Houston77033Houston77034Houston77035Houston77036Houston77037Houston77038Houston77039Houston77040Houston77041Houston77042Houston77043Houston77044Houston77045Houston77046Houston77047Houston77048Houston77049Houston77050Houston77051Houston77053Houston77054Houston77055Houston77056Houston77057Houston77058Houston77059Houston77060Houston77061Houston77062Houston77063Houston77064Houston77065Houston77066Houston77067Houston77068Houston77069Houston77070Houston77071Houston77072Houston77073Houston77074Houston77075Houston77076Houston77077Houston77078Houston77079Houston77080Houston77081Houston77082Houston77083Houston77084Houston77085Houston77086Houston77087Houston77088Houston77089Houston77090Houston77091Houston77092Houston77093Houston77094Houston77095Houston77096Houston77098Houston77099Houston77204Houston77301Conroe77303Conroe77304Conroe77316Montgomery77320Huntsville77327Cleveland77338Humble77339Kingwood77340Huntsville77345Kingwood77346Humble77351Livingston77354Magnolia77355Magnolia77356Montgomery77357New Caney77365Porter77373Spring77375Tomball77377Tomball77379Spring77380Spring77381Spring77382Spring77384Conroe77385Conroe77386Spring77388Spring77389Spring77396Humble77406Richmond77407Richmond77414Bay City77429Cypress77433Cypress77441Fulshear77449Katy77450Katy77459Missouri City77469Richmond77471Rosenberg77477Stafford77478Sugar Land77479Sugar Land77489Missouri City77493Katy77494Katy77498Sugar Land77502Pasadena77503Pasadena77504Pasadena77505Pasadena77506Pasadena77511Alvin77515Angleton77520Baytown77521Baytown77523Baytown77530Channelview77532Crosby77535Dayton77536Deer Park77539Dickinson77545Fresno77546Friendswood77550Galveston77551Galveston77554Galveston77566Lake Jackson77571La Porte77573League City77578Manvel77581Pearland77583Rosharon77584Pearland77586Seabrook77590Texas City77598Webster77627Nederland77630Orange77642Port Arthur77662Vidor77701Beaumont77702Beaumont77703Beaumont77705Beaumont77706Beaumont77707Beaumont77708Beaumont77713Beaumont77802Bryan77803Bryan77833Brenham77840College Station77845College Station77901Victoria77904Victoria78006Boerne78023Helotes78028Kerrville78040Laredo78041Laredo78043Laredo78045Laredo78046Laredo78102Beeville78108Cibolo78109Converse78114Floresville78130New Braunfels78132New Braunfels78133Canyon Lake78148Universal City78154Schertz78155Seguin78201San Antonio78202San Antonio78203San Antonio78204San Antonio78205San Antonio78207San Antonio78208San Antonio78209San Antonio78210San Antonio78211San Antonio78212San Antonio78213San Antonio78214San Antonio78215San Antonio78216San Antonio78217San Antonio78218San Antonio78219San Antonio78220San Antonio78221San Antonio78222San Antonio78223San Antonio78224San Antonio78225San Antonio78226San Antonio78227San Antonio78228San Antonio78229San Antonio78230San Antonio78231San Antonio78232San Antonio78233San Antonio78235San Antonio78237San Antonio78238San Antonio78239San Antonio78240San Antonio78242San Antonio78244San Antonio78245San Antonio78247San Antonio78248San Antonio78249San Antonio78250San Antonio78251San Antonio78252San Antonio78253San Antonio78254San Antonio78255San Antonio78256San Antonio78257San Antonio78258San Antonio78259San Antonio78260San Antonio78261San Antonio78263San Antonio78264San Antonio78266San Antonio78332Alice78363Kingsville78380Robstown78401Corpus Christi78404Corpus Christi78405Corpus Christi78406Corpus Christi78407Corpus Christi78408Corpus Christi78409Corpus Christi78410Corpus Christi78411Corpus Christi78412Corpus Christi78413Corpus Christi78414Corpus Christi78415Corpus Christi78416Corpus Christi78417Corpus Christi78418Corpus Christi78501Mcallen78503Mcallen78504Mcallen78516Alamo78520Brownsville78521Brownsville78526Brownsville78537Donna78539Edinburg78541Edinburg78542Edinburg78550Harlingen78552Harlingen78566Los Fresnos78570Mercedes78572Mission78573Mission78574Mission78577Pharr78582Rio Grande City78586San Benito78589San Juan78596Weslaco78599Weslaco78602Bastrop78610Buda78613Cedar Park78617Del Valle78621Elgin78624Fredericksburg78626Georgetown78628Georgetown78633Georgetown78634Hutto78640Kyle78641Leander78653Manor78660Pflugerville78664Round Rock78665Round Rock78666San Marcos78681Round Rock78701Austin78702Austin78703Austin78704Austin78705Austin78717Austin78719Austin78721Austin78722Austin78723Austin78724Austin78725Austin78726Austin78727Austin78728Austin78729Austin78730Austin78731Austin78732Austin78733Austin78734Austin78735Austin78736Austin78737Austin78738Austin78739Austin78741Austin78742Austin78744Austin78745Austin78746Austin78747Austin78748Austin78749Austin78750Austin78751Austin78752Austin78753Austin78754Austin78756Austin78757Austin78758Austin78759Austin78840Del Rio78852Eagle Pass79015Canyon79072Plainview79106Amarillo79107Amarillo79109Amarillo79118Amarillo79119Amarillo79401Lubbock79403Lubbock79404Lubbock79406Lubbock79407Lubbock79410Lubbock79411Lubbock79412Lubbock79413Lubbock79414Lubbock79415Lubbock79416Lubbock79423Lubbock79424Lubbock79601Abilene79602Abilene79603Abilene79605Abilene79606Abilene79701Midland79705Midland79706Midland79707Midland79720Big Spring79761Odessa79762Odessa79763Odessa79764Odessa79901El Paso79902El Paso79903El Paso79904El Paso79905El Paso79906El Paso79907El Paso79908El Paso79911El Paso79912El Paso79915El Paso79922El Paso79924El Paso79925El Paso79927El Paso79928El Paso79930El Paso79932El Paso79934El Paso79935El Paso79936El Paso79938El Paso