California vs Texas
Statewide home-hazard ratings, hazard by hazard. Lower is milder. These are averages across a whole state — a neighborhood can look very different.
How to read the table
Red cells are the higher statewide score for that hazard. Green cells are milder. After you pick a winner on paper, open each state’s profile and verify the address — flood and earthquake are usually separate policies in both places.
| Hazard | California | Texas |
|---|---|---|
| 🌊 Flooding | Major | Extreme |
| 🌀 Hurricanes | Minimal | Major |
| 🌪️ Tornadoes | Minimal | Extreme |
| 🔥 Wildfires | Extreme | Major |
| 🫨 Earthquakes | Extreme | Minimal |
| ❄️ Winter Storms | Minor | Minor |
| 🌡️ Extreme Heat | Major | Extreme |
| ☀️ Drought | Extreme | Extreme |
| ⛰️ Landslides | Major | Minimal |
| ⛈️ Severe Storms | Minor | Extreme |
Higher numbers mean more exposure at the state scale, not a prediction for a given house. Always check FEMA maps and your insurer.