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Direct answer

Is Bay City, TX safe from storm surge?

Bay City has moderate storm surge exposure (40/100). It is not extreme, but damaging events can still occur.

City score

40/100

Level: moderate

State average

0/100

Same hazard across TX.

Comparison

Bay City is 40 points above the state average for this hazard.

Use this next

Open live signal for this hazardOpen full hazard risk pageOpen statewide hazard outlookHighest-risk cities in TX

Why this answer

Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.

This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.

Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.

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