Highest climate-risk ZIP codes in Texas
Top 25 highest FEMA NRI climate-risk counties in Texas (one representative ZIP per county). #1 is 77449 (Houston) at score 99.9. Compare hazard exposure on US5.
FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.
Highest county scores on this board: Harris County (77449) at 99.9; Dallas County (75052) at 99.7; Bexar County (78245) at 99.4.
Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.
Open any ZIP for a full demographics, income, and housing profile, or return to the Texas state page for the complete ZIP table.
Ranked counties (representative ZIP)
FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.
| # | ZIP | City | County | NRI risk score | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 77449 | Houston | Harris County | 99.9 | 123,042 | $85,934 | $236,400 |
| 2 | 75052 | Grand Prairie | Dallas County | 99.7 | 95,485 | $87,320 | $282,100 |
| 3 | 78245 | San Antonio | Bexar County | 99.4 | 91,388 | $87,890 | $241,500 |
| 4 | 76063 | Mansfield | Tarrant County | 99.1 | 81,758 | $113,177 | $378,600 |
| 5 | 78542 | Linn | Hidalgo County | 99.0 | 86,111 | $52,962 | $123,500 |
| 6 | 75035 | Frisco | Collin County | 98.9 | 86,135 | $161,030 | $562,300 |
| 7 | 78660 | Pflugerville | Travis County | 97.7 | 118,437 | $109,522 | $369,300 |
| 8 | 77494 | Katy | Fort Bend County | 97.5 | 137,213 | $146,105 | $450,100 |
| 9 | 78521 | Brownsville | Cameron County | 97.3 | 87,860 | $41,276 | $90,500 |
| 10 | 75068 | Little Elm | Denton County | 96.9 | 70,562 | $126,341 | $386,300 |
| 11 | 78414 | Corpus Christi | Nueces County | 96.6 | 51,435 | $96,788 | $271,300 |
| 12 | 79424 | Lubbock | Lubbock County | 96.2 | 52,336 | $94,703 | $279,600 |
| 13 | 77386 | Houston | Montgomery County | 95.7 | 69,549 | $130,094 | $346,300 |
| 14 | 77642 | Port Arthur | Jefferson County | 95.7 | 38,051 | $41,677 | $96,100 |
| 15 | 79936 | El Paso | El Paso County | 95.5 | 104,427 | $64,958 | $169,500 |
| 16 | 77573 | League City | Galveston County | 95.4 | 97,871 | $122,783 | $342,000 |
| 17 | 77584 | Pearland | Brazoria County | 93.6 | 90,979 | $116,373 | $339,100 |
| 18 | 78132 | Canyon Lake | Comal County | 92.7 | 40,383 | $126,934 | $570,900 |
| 19 | 78130 | New Braunfels | Guadalupe County | 91.5 | 95,787 | $84,426 | $296,300 |
| 20 | 76706 | Robinson | McLennan County | 91.2 | 40,668 | $42,277 | $180,600 |
| 21 | 76549 | Killeen | Bell County | 91.1 | 56,083 | $62,536 | $202,100 |
| 22 | 78666 | San Marcos | Hays County | 90.6 | 87,775 | $55,478 | $271,900 |
| 23 | 79107 | Amarillo | Potter County | 90.5 | 36,425 | $39,474 | $88,400 |
| 24 | 78613 | Cedar Park | Williamson County | 90.1 | 89,162 | $120,829 | $461,900 |
| 25 | 78046 | Laredo | Webb County | 89.2 | 71,965 | $53,601 | $142,000 |
Frequently asked questions
Which areas in Texas have the highest climate or disaster risk?
FEMA NRI scores are county-level on US5. Harris County ranks near the top at 99.9 (representative ZIP 77449). Higher scores indicate greater relative natural-hazard exposure.
How does US5 rank ZIP codes in Texas?
We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.
Where can I explore all ZIP codes in Texas?
Visit the Texas state page for the full ZIP table, demographics summary, and sortable income/housing columns.