1 violation recorded in 2024
Health Violations Found
B 81

Frost, TX (76641): 3 Health Violations — 81/100 (2026)

EPA data for Navarro Mills Water Supply Corporation

Health Violations Found

Within 76641's federal file for Frost, TX: 3 violations in the health tier — contaminant limits were breached.

Data source: U.S. Environmental Protection Agency (EPA) SDWIS Last verified: April 2, 2026

Based on EPA Drinking Water FEMA Flood Data U.S. Census CDC Energy Information Admin. USGS Water Data & 9 more federal sources
Today's Safety: Fair
Violations: 1 active Alerts: 2
2026-06-03
Your water right now: 3 health violations
AQI: NaN (Unhealthy) 2 weather alerts
See details ↓
Updated: 2026-06-03

Key Findings

4 other areas checked — no concerns found.

Safety Score
B 81/100
▼ -1 vs last year
Water Quality Issues 3 health violations
Lead Risk N/A
Flood Risk N/A
Data confidence: High (direct measurement) Medium (sampled / sub-geography) Low (modeled / inferred) Methodology →

At a Glance

  • Water EPA records show 3 health-based violations and 5 non-health on the water system serving this ZIP (5-year window).
  • Radon EPA Zone 3 — low predicted indoor radon (below 2 pCi/L).

Composite Home Safety Score has declined -1 points in the last 90 days.

Contaminant Summary
Health Violations
8 violations 3 health-based 1 risk identified
Data updated: Apr 2026 All data sources current

What’s Happening in Frost, Texas

3 active health-based violations are currently on record for the water system serving this ZIP.

What's Happening

improving

Score improving

Water quality score improved from 76 to 81 since March 2026.

Updated 2026-06-03 · Based on EPA and public utility data

B
Home Safety Score: 81 / 100
↓ -1 vs 2025
3
Water Systems
3,852
People Served
3
Health Violations (5yr)Median is 0 — most ZIPs have none
Surface water
Water Source
Zone 3
Radon Risk · Low
$143K
Median Home Value26% below state median ($195K)

Recommended Buyer Guides for This ZIP

Independent guides — grounded in EPA, NSF, FEMA, and CDC standards. Matched to risks detected in your area.

This Summer — what to check

Season-specific maintenance for home safety. Universal tasks — apply everywhere unless noted.

  • Water Heater

    Flush sediment (1–2×/year). Cuts energy use and prevents bacterial growth in low-use hot-water pockets.

    Source: DOE
  • Wildfire & Smoke

    Clear leaves and debris from gutters and the 30-ft home-ignition zone. Replace HVAC filters with MERV 13+.

    Source: Firewise
  • HVAC Filter

    Peak AC run. Replace filters monthly during high pollen / wildfire-smoke days; standard interval otherwise.

    Source: EPA IAQ

Get notified when water quality changes in your area

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EPA Violations: more than 80% of U.S. ZIP codes Health Violations: more than 91% of U.S. ZIP codes
Home Safety Score: better than 76% of U.S. ZIP codes

How Frost Compares

Safety Score vs. Navarro County and Texas averages

Safety Score
Frost
81
Navarro County
85
Texas avg
82
Worse than 75% of ZIPs in Navarro County
Metric Frost Navarro County Texas
Safety Score 81 85 82
EPA Violations (total) 8 10.2 8.3

County and state averages computed from 41,344 ZIP codes. Data: EPA SDWIS.

🔴
Critical Risk Signals
Multiple high-priority conditions detected — action recommended

Each number below connects you directly to a licensed specialist contractor in your area. Calls are free.

3 health-based water quality violations on record

8 total EPA violations recorded for Navarro Mills Water Supply Corporation

Recent EPA enforcement actions against this water system

What to do Review your water system's Consumer Confidence Report. Consider installing a whole-house water filtration system.
Estimated cost: $300–$800 for under-sink RO, $1,500–$3,500 for whole-house filter

🔍Key Insights for Frost 76641

Derived from EPA, Census, FEMA, and EIA data — exclusive to ZipCheckup

Water System Reliability
41 /100 Poor
Reliability score based on violation trends, system size, CCR compliance, and enforcement history. The national median is 10/100.
Infrastructure Investment Gap
$5,850
Estimated per-household infrastructure deficit based on housing age, pipe materials, lead risk, and water system violations. That's 585.0x the national median of $10.
Environmental Justice Index
50 /100 High
Communities with high violations, low income, and environmental hazards face disproportionate risk. Higher score = greater environmental justice concern. The national median is 10/100.
Home Purchase Risk
41 /100 Low Risk
Composite "should I buy here?" score for homebuyers. Weighs water quality (25%), flood risk (20%), lead (15%), energy costs (15%), housing age (10%), radon (10%), and air quality (5%). The national median is 10/100.
Methodology: Lead exposure combines EPA LCR testing, Census housing age (ACS B25034), and LCRI service line estimates. Maintenance debt uses Census median build year and NAHB equipment lifespan data. Compliance risk weights health violations, unresolved issues, and EPA enforcement actions. Energy burden uses EIA state rates and Census B19013 median income. Flood cost uses FEMA NFIP claims data (1978–2024) divided by housing units. Water system reliability cross-references violation trends, system size, CCR compliance, and enforcement history. Infrastructure gap estimates deferred costs from housing vintage, pipe materials, and lead detection. Seasonal risk combines radon zones, flood zones, housing age, and air quality data. Environmental justice index weights violations, income disparity, Superfund proximity, and enforcement actions. Home purchase risk is a weighted composite of all environmental and infrastructure factors. Full methodology →
📊 ZipCheckup Cross-Reference Engine · Updated March 2026 · View source →

Score Breakdown

How your Home Safety Score of 73 is calculated.

Water
18/33
Lead
22/33
Radon
33/33
73 = Water 18/33 + Lead 22/33 + Radon 33/33

Score dropped 1 point over 90 days.

Safety & Health (7) HIGH

Compliance Alerts for 76641

2 issues flagged based on EPA data, state regulations, and housing age estimates.

Lead Pipes
Action Needed
High probability of lead service lines. Test water and consider filter.
Electrical Panels
Monitor
FPE/Zinsco panel risk — 51

Estimates based on EPA data, U.S. Census ACS housing vintage, and state regulations. Individual homes may vary.

📊 EPA + Census ACS + State Regs · Updated March 2026

Compliance Risk Forecast

Probability of future drinking water violations based on historical patterns, enforcement trends, and system size.

High Risk ▲ Increasing trend

95% probability of new violation within 2 years

1-Year 95%
2-Year 95%
3-Year 95%

Based on 6.5 events/year rate. Model uses Poisson distribution with trend and system-size adjustments.

Service Disruption Risk

Critical
58%

58% estimated probability of a boil water advisory or service interruption in the next 90 days.

Based on infrastructure age, EPA violation history, flood exposure, and seasonal patterns.

Contributing Factors
Health Violations
+30%
Infrastructure Age
+10%
Seasonal Baseline
+10%
Violation History
+8%

Estimates based on EPA enforcement data, U.S. Census ACS housing vintage, and FEMA flood claims. Not a guarantee of disruption.

📊 EPA + Census ACS + FEMA · Updated March 2026

Your Water System

ZIP code 76641 in Frost, Texas is served by Navarro Mills Water Supply Corporation (EPA ID: TX1750024). This system provides water to approximately 3,852 people from surface water sources.

There are 3 community water systems serving this area.

Home Safety Score: B (81/100)

Based on water quality violations, lead levels, and radon risk in your area. This score is better than 76% of ZIP codes nationally and 39% in Texas.

Factor Status Details
Water Quality poor 8 violations, 3 health-based
Lead in Water unknown No sampling data available
Radon Risk Low Zone 3
Gas Safety low 1 incidents, score 1/100
Wildfire Smoke moderate score 29/100, 10 county fires (5yr)
Earthquake Risk Very Low score 2.3/50
Superfund NPL Very Low nearest 45.6 mi (null), 0 sites within 10 km

Lead & Copper in Your Water

No Lead & Copper Rule sampling data available for systems serving this ZIP code.

Radon Risk

Radon Zone 3 — Low potential (Navarro County)

Lower radon potential for this area, but testing is still recommended for individual homes. Zone 3 indicates a predicted average indoor radon screening level below 2 pCi/L. Actual levels can vary based on home construction and geology.

CO & Gas Safety

Gas Distribution Risk: Low (score: 1/100)

1 gas distribution incident recorded in this county since 2004. Most recent: 2016.

The CPSC recommends CO detectors on every level of your home. Have gas appliances inspected annually by a licensed technician.

Wildfire & Smoke Risk

Smoke Risk: Moderate (score: 29/100)

10 wildfires recorded in this county over the past 5 years. Nearest recent wildfire: 27 km (17 miles).

Monitor air quality at AirNow.gov during fire season (June–November). A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events.

Earthquake & Seismic Risk

Risk Rating: Very Low (score: 2.3/50)

Metric Value
Risk Score 2.3
Risk Rating Very Low
Annual Frequency < 0.001 damaging events/yr
Expected Annual Loss $19K (Very Low)

Monitor seismic activity at the USGS Earthquake Map. Secure heavy furniture, maintain an emergency kit, and know your gas shutoff location.

Superfund Site Proximity

Proximity Risk: Very Low (score: 0/100)

Nearest NPL site: null at 45.6 miles (73.4 km).

Radius NPL Sites
Within 5 km (3.1 mi) 0
Within 10 km (6.2 mi) 0
Within 25 km (15.5 mi) 0

Search nearby sites at the EPA Superfund Site Search. If you garden or use well water near an NPL site, consider soil and water testing.

Violation Summary

3 health-based violations recorded in the past 5 years. 3 violations remain unresolved.

Recent Violations

Date Contaminant Type Status
May 1, 2025 Lead and Copper Rule Monitoring Unresolved
October 17, 2024 Stage 2 DBP Rule Health-based Unresolved
October 17, 2024 Stage 2 DBP Rule Monitoring Unresolved

Contaminants Detected

The following contaminants have been flagged in EPA records for water systems serving this ZIP code:

Contaminant Category Violations Health-Based
Lead and Copper Rule Treatment Technique 3 No
Haloacetic Acids (HAA5) Disinfection Byproducts 2 Yes
Stage 2 DBP Rule Treatment Technique 2 Yes
Revised Total Coliform Rule Microbiological 1 No

Health Risk Details

Haloacetic Acids (HAA5) (EPA limit: 0.06 mg/L)

Cancer risk; reproductive & developmental effects At-risk groups: pregnant women, infants, long-term consumers of chlorinated municipal water.

Removal methods: granular activated carbon (GAC), carbon block filter, reverse osmosis. Find the right filter →

Energy Costs in TX

Residential electricity rate: 15.69¢/kWh — 8% below the national average (17.0¢/kWh).

Lower electricity rates in Texas make electric appliances and heat pumps a cost-effective choice compared to other states.

Energy Sources

Texas generates 32% of its electricity from renewable sources — 5% above the national average of 26.9%. Including nuclear, 39.1% of the state's power is carbon-free (EIA 2025).

Source Share
Natural gas 48.8%
Wind 21.9%
Coal 11.7%
Solar 9.9%
Nuclear 7%

Need help with your water quality?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Water Systems Serving This Area

System Name EPA ID Population Source
Navarro Mills Water Supply Corporation TX1750024 3,852 Surface water
South Ellis County Water Supply TX0700043 1,767 Groundwater
City of Frost TX1750004 882 Surface water

What You Can Do

  1. Request your water system's Consumer Confidence Report (CCR) — Your utility is required to publish this annually
  2. Consider a home water test — Independent testing can reveal issues in your specific plumbing
  3. Install a certified water filter — NSF-certified filters can address specific contaminants
  4. Contact your water provider — Ask about current treatment and any ongoing remediation

Need help with water testing or filtration?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Other Water Quality Reports in Texas

Nearby Water Quality Reports

Data Sources

This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View the full compliance record for Navarro Mills Water Supply Corporation (TX1750024) on EPA.gov.

Frequently Asked Questions

Is the tap water in 76641 safe to drink?

Frost's water system has recorded 3 health-based violations in the past 5 years. While the system is required to treat water to meet federal standards, you may want to consider additional precautions such as a certified water filter.

Where does 76641's water come from?

The primary water source for this area is surface water. Navarro Mills Water Supply Corporation serves approximately 3,852 people.

How can I get my water tested?

Contact your local water utility for a free water quality report, or hire a certified lab for independent home water testing. The EPA recommends testing annually if you use a private well.

Does 76641 have lead in the water?

No Lead and Copper Rule sampling data is currently available in EPA records for water systems serving ZIP code 76641. If you are concerned about lead, contact your water utility or have your tap water independently tested.

What is the radon risk in 76641?

ZIP code 76641 (Navarro County) falls in EPA Radon Zone 3, indicating low radon potential. Zone 3 areas have lower radon potential, though individual homes can still have elevated radon levels depending on construction and local geology. Testing is still recommended.

USGS reports that 4 of the top compounds applied across the surrounding county are flagged by the EPA for drinking-water monitoring — see the agricultural pesticide-use section

📊 EPA Safe Drinking Water · Updated March 2026 · View source →

Contaminant Stress Analysis

Statistical envelope (p10/p50/p90) of measured contaminant levels compared to EPA Maximum Contaminant Levels (MCL). Based on enforcement and compliance monitoring data.

Lead (LCR 90th) (PPB) 4 measurements
▲ Worsening
MCL 15
p10: 1.1 p50: 1.5 p90: 1.6

All measured values of Lead (LCR 90th) remain below the MCL of 15 PPB.

📊 EPA SDWIS Enforcement & Compliance · Updated March 2026 · View source →

Texas Water Quality Overview

Statewide grade: B (82/100)

Texas follows federal EPA standards for most contaminants. The state monitors over 6,000 public water systems through the TCEQ. ZipCheckup analyzes lab results from 6,393 water systems across Texas, covering 16 contaminants from 8 data sources. The most frequently tested contaminants include Lead (Pb 90th %ile), NMeFOSAA, NEtFOSAA. Overall, Texas earns a water quality grade of B (average score: 82/100) across 2,649 ZIP codes. 79% of tested systems have at least one EPA violation on record. If you live in Texas, review the contaminant table above for your specific water system — state averages may not reflect local conditions.

6,393 systems tested
16 contaminants tracked
2,649 ZIP codes
Texas vs. federal limits →
📊 State Environmental Agency · Updated March 2026

Score History

Declining Score changed from 87 to 81 over 1615 days (-6)
30-day change: 0 90-day change: -1

Tracking since 2021-12-31 · 59 data points

Safety Score Timeline

85+ 70–84 55–69 <55 Oldest → Newest · 24 data points

Compliance History

2021 1 2022 2023 2024 1 2025
Health-based (MCL/TT) Other violations

Environmental Incidents

12
Enforcement Action
EPA enforcement actions & health violations in 76641 (last 5 years)
Enforcement Actions
10
1 formal
Health Violations
2
1 unresolved
Last Enforcement
2025-05-28
Last Violation
2024-10-17

Health-Based Violations

Sanitary Survey
Open
TT violation · 2024-10-17
Total Trihalomethanes — 0.09 MG/L
Resolved
MCL violation · 2021-04-01 to 2021-06-30

Enforcement Actions

State Informal Action
2025-05-28
State Order Extension
2025-05-15
State Informal Action
2025-05-01
State Informal Enforcement
2025-05-01
State Informal Action
2025-04-23
State Informal Enforcement
2025-04-23
State Informal Action
2025-03-31
State Informal Enforcement
2025-03-31
State Filed Suit
2022-04-18
State Order Extension
2021-11-10

Understanding EPA Enforcement

  • MCL Violation — Contaminant exceeded the Maximum Contaminant Level set by EPA
  • Treatment Technique (TT) — Water system failed to follow required treatment methods
  • Formal Enforcement — EPA or state issued a legal order (administrative order, court action, or compliance order)
  • Resolved — The water system returned to compliance
This ZIP code has 1 unresolved health violation and 1 formal enforcement action. Consider testing your water independently or using a water filter rated for the specific contaminants found.

Source: EPA Enforcement and Compliance History Online (ECHO). Data from the Safe Drinking Water Information System (SDWIS). Updated quarterly.

Health Risks from Detected Contaminants

Haloacetic Acids (HAA5)

High Risk

EPA limit: 0.06 mg/L · 2 violations on record

Cancer risk; reproductive & developmental effects

At-risk groups: pregnant women, infants, long-term consumers of chlorinated municipal water

Removal: granular activated carbon (GAC), carbon block filter, reverse osmosis · Find a filter →

📊 EPA SDWIS + SDWA · Updated March 2026 · View source →

Childhood Environmental Risk Score — 76641

Elevated Risk
41/100
Childhood Environmental Risk Score
Combining water lead, air toxics, housing age & EPA violations

This ZIP's score is higher than 42% of U.S. ZIP codes and 37% of those in Texas — a relative ranking, not a verdict on any home.

Risk Factor Breakdown

Housing Lead Paint Probability 19/100
19% of homes built before 1970, when lead paint was widely used.
Water System Violations 69/100
EPA water system violation history for this area.
What weighs most here

Water system violation history is the largest contributor to this ZIP's score. A pattern of violations can signal recurring quality issues worth monitoring, and reviewing a system's recent record helps families know what to ask about.

Pre-1970 Housing
19%
homes likely containing lead paint
EPA Radon Zone Zone 3
Zone 3 indicates lower radon potential, though individual homes can still test high depending on construction and local geology.
Radon is a naturally occurring radioactive gas. Children spend more time at home than adults, and a radon test kit is inexpensive.
Important Health Information
  • Children under 6 are most vulnerable to lead exposure — there is no safe level of lead in blood
  • Test your home's drinking water, especially if your home was built before 1986

What families can do

Here are calm, practical steps families in this ZIP can consider — informational guidance, not cause for alarm.

No specific actions are flagged for this ZIP. The general guidance above still applies to every family.

Protect Your Family's Water
Know exactly what's in your tap water with a certified home water test kit.
Find the Right Water Filter →
Share with other parents

Know a family in 76641? A free 30-second ZIP check shows them the same lead, water, and housing data.

Disclaimer: This environmental health risk assessment uses publicly available data from the EPA, Census Bureau, and CDC to estimate relative risk levels. It is not a medical diagnosis or substitute for professional health advice. Individual exposure depends on many factors not captured in this analysis. Consult your pediatrician or local health department for specific guidance. Data sources: EPA AirToxScreen, EPA SDWIS, U.S. Census Bureau, CDC Childhood Blood Lead Surveillance.
📊 EPA AirToxScreen, SDWIS, Census, CDC · Updated March 2026 · View source →

Lead Pipe Replacement Funding for Texas

$78.0M
allocated in fiscal year 2025 for lead service line replacement
Up to $38.2M available as grants for disadvantaged communities (49% of allocation)

Key LCRI Deadlines

Now
Your water system must notify you if you have a lead service line
1
Oct 2027
Water systems must complete service line inventories
2
Oct 2034
All lead service lines must be replaced

What This Means for You

  • If your home was built before 1986, it may have lead service lines
  • Your water utility is required to inventory and replace lead lines at no cost to you
  • Contact your water utility to check if your address is in their inventory

Source: EPA DWSRF Lead Service Line Replacement Program, FY2025 Allotment Memorandum.

Active Alerts in Texas

3 active weather alerts in Texas. Severe weather can affect your water quality and home safety.

View alerts for Texas →

📊 NWS · Updated March 2026 · View source →
Environmental Hazards (9) MODERATE

Termite Risk for 76641

Very Heavy Termite Zone
WDI Inspection Requirement

Required for VA/FHA loans statewide; Texas Real Estate Commission requires seller disclosure of known termite activity. Standard in conventional

Typical Inspection Cost
$75 – $175
Based on Texas market rates
Consequence

VA/FHA loan will not close without clear NPMA-33 form; Formosan subterranean termites present in eastern TX

Termite Damage in the U.S.

  • Termites cause an estimated $5 billion in property damage annually in the United States, according to the USDA.
  • Standard termite treatment costs $225–$2,500; fumigation for severe infestations: $2,000–$8,000.
  • Homeowner insurance typically does not cover termite damage, as it is considered preventable.

What Homeowners Should Know

  • Annual termite inspections are recommended in moderate-to-heavy risk zones. Early detection can prevent thousands in repair costs.
  • VA and FHA loans require a clear NPMA-33 (Wood Destroying Insect Inspection Report) for closing in most states.
  • Warning signs: mud tubes on foundation walls, hollow-sounding wood, discarded wings near windows, and frass (droppings) near baseboards.
  • Preventive treatment ($200–$900 per year) is far less expensive than structural damage repair, which averages $3,000 and can exceed $50,000.
  • Texas falls in a very heavy termite infestation probability (TIP) zone. Subterranean termites are the primary concern, with Formosan subterranean termites also present in this region.
Reference: VA lender requirements; NPMA-33 form; TX Structural Pest Control Act (Occ. Code Ch. 1951); TREC disclosure

Source: USDA Forest Service Termite Infestation Probability (TIP) zones, VA/FHA lender requirements, Texas pest control regulations. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Pest Risk for 76641

High Pest Pressure
Top Pest Threats in Texas

termites, fire ants, mosquitoes, cockroaches and scorpions

Typical Pest Inspection Cost
$75 – $175
Based on Texas market rates
Licensed Applicator Required
Yes
Texas pesticide regulations
⚠ CDC / EPA Disease Zone Alerts
  • West Nile activity zone
  • Zika risk area (South TX)
Real Estate Transaction Requirement

Required for VA loans in all states; TREC requires seller disclosure of known termite damage

Penalty for Unlicensed Application

Up to $10,000 per violation

Why This Matters

  • Health risks: Mosquitoes transmit West Nile virus (1,000+ U.S. cases annually). Ticks spread Lyme disease (estimated 476,000 cases/year per CDC). Rodent droppings can carry hantavirus.
  • Property damage: Carpenter ants and termites cause billions in structural damage annually. Rodents gnaw wiring, creating fire hazards.
  • Food safety: Cockroaches and rodents contaminate food preparation areas and can trigger allergies and asthma, especially in children.
  • Texas's climate creates year-round pest pressure. Regular professional inspections and preventive treatment are strongly recommended.

Common Questions

Do I need a pest inspection before buying a home in Texas?
VA and FHA loans require a Wood Destroying Insect (WDI) inspection in all states. Required for VA loans in all states; TREC requires seller disclosure of known termite damage Even when not legally required, a professional pest inspection ($75–$175) can reveal hidden infestations that cost thousands to remediate.
Can I apply pesticides myself in Texas?
Homeowners can generally use over-the-counter pesticide products on their own property. However, restricted-use pesticides require a licensed applicator in Texas. Commercial pest control services must be licensed. Up to $10,000 per violation.
What are the most common pests in Texas?
The top pest threats in Texas include termites, fire ants, mosquitoes, cockroaches and scorpions. Pest activity varies by season and local conditions. As a high pest pressure state, year-round preventive treatment is recommended.
Legal Reference: Texas Structural Pest Control Act (Occupations Code Chapter 1951)

Source: CDC vector-borne disease surveillance, EPA pesticide regulation data, Texas pest control board, NPMA pest prevalence maps. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Wildfire & Smoke Risk Profile

29
Moderate Smoke Risk
Wildfire smoke exposure risk score for 76641
Nearest Fire
17 mi
27 km to nearest recent wildfire
County Fires (5yr)
10
wildfires in county since 2021
Risk Level
Moderate
based on fire proximity & history
Air Quality
Seasonal
during fire season (Jun–Nov)
SMOKE RISK SCORE 29/100
0 — Minimal 100 — Highest Risk
This area has moderate wildfire smoke exposure risk. During fire season (June–November), air quality can deteriorate rapidly. Monitor conditions at EPA AirNow and the National Interagency Fire Center.

Wildfire Smoke Safety Tips

  • Air purifier with HEPA filter: run in the room where you spend the most time. Close windows and doors during smoke events.
  • N95 or KN95 masks: standard cloth and surgical masks do not filter fine particulate matter (PM2.5) from wildfire smoke.
  • Seal gaps: use wet towels or tape around doors and windows to reduce smoke infiltration during poor air quality days.
  • Monitor AQI: check AirNow.gov daily during fire season. AQI above 100 = unhealthy for sensitive groups; above 150 = unhealthy for everyone.
  • Create a clean room: designate one room with the air purifier running, keep it sealed, and limit time outdoors when AQI is elevated.

Protect Your Indoor Air from Wildfire Smoke

A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events. Portable units for a single room start at $80. Whole-home solutions start at $300.

Product links may earn a commission — see our disclosure.

📊 NIFC Wildfire Data & EPA AirNow · Updated March 2026 · View source →

Earthquake & Seismic Risk Profile

2.3
VERY LOW RISK
FEMA National Risk Index earthquake score for 76641
Risk Rating
Very Low
FEMA earthquake hazard classification
Expected Annual Loss
$19K
estimated county-level annual loss (Very Low)
Annual Frequency
< 0.001
expected damaging earthquakes per year
Structural Vulnerability
Low
based on housing age (42 yr median) + seismic zone
EARTHQUAKE RISK SCORE 2.3/50
0 — Minimal 50 — Highest Risk

Earthquake Preparedness Tips

  • Secure heavy furniture: anchor bookshelves, water heaters, and large appliances to wall studs. Unsecured items cause most earthquake injuries.
  • Emergency kit: water (1 gallon per person per day for 3 days), non-perishable food, flashlight, batteries, first aid kit, wrench to turn off gas. Keep kits at home and in your car.
  • Know how to shut off gas: locate the gas meter shutoff valve and keep a wrench nearby. Gas leaks are a leading cause of post-earthquake fires.
  • Drop, Cover, Hold On: during shaking, drop to hands and knees, take cover under a sturdy table, and hold on. Do not stand in doorways or run outside.
  • Structural retrofit: homes built before 1980 may need foundation bolting or cripple wall bracing. FEMA's earthquake resources offer guidance on retrofitting.
  • USGS ShakeMap: monitor real-time and recent seismic activity at earthquake.usgs.gov.

Build Your Earthquake Preparedness Kit

FEMA recommends every household in a seismic zone maintain a 72-hour emergency kit. Pre-assembled kits start at $40 and include water, food, first aid, and tools.

Product links may earn a commission — see our disclosure.

📊 FEMA National Risk Index & USGS · Updated March 2026 · View source →

Mold Risk Assessment for 76641

Low Risk
35/100
Mold Probability Score
Based on humidity, housing age, flood history & water infrastructure
Avg. Humidity
63%
annual relative humidity
Summer Humidity
59%
Jun–Aug average
Median Home Age
1984
median year built
Flood Claims
0
FEMA insurance claims
Seasonal Risk

Winter humidity (67%) remains elevated in this area. Condensation on cold surfaces creates mold-favorable conditions even in cooler months. Summer humidity averages 59%.

Why Mold Matters

  • The CDC and EPA identify mold as a significant indoor health hazard. Common symptoms include respiratory irritation, allergic reactions, and asthma exacerbation.
  • Mold begins growing within 24–48 hours on damp surfaces when relative humidity exceeds 60%. Bathrooms, basements, and crawl spaces are most vulnerable.
  • Professional mold remediation costs $1,500–$9,000 on average. Homeowner insurance often excludes mold coverage unless caused by a "covered peril."
  • Homes built before 1980 typically lack modern vapor barriers and ventilation systems, increasing moisture infiltration risk.

Prevention Recommendations

  • Use a dehumidifier to keep indoor humidity below 50%. This is especially important in basements, crawl spaces, and bathrooms in high-humidity areas like 76641.
  • Ensure proper ventilation: use exhaust fans in bathrooms and kitchens, and keep attic and crawl space vents unblocked.
  • Fix leaks immediately. Even small plumbing leaks can create mold-favorable conditions within 48 hours.
  • Monitor indoor humidity with a hygrometer ($10–$20). Target 30–50% year-round.
Recommended: Whole-Home Dehumidifier

With 63% average humidity, a dehumidifier is the most effective way to reduce mold risk in 76641. Energy Star-rated units cost $200–$400 and can reduce humidity by 20–30%.

Compare Dehumidifiers
As an Amazon Associate, ZipCheckup earns from qualifying purchases.
Sources: NOAA Climate Normals 1991–2020 (humidity), U.S. Census ACS (housing age), FEMA NFIP (flood claims), EPA SDWIS (water violations). Score methodology: humidity 40%, housing age 30%, flood history 20%, water infrastructure 10%.

Respiratory Risk Today

High Risk
32
Respiratory Risk Score
Combined air quality, humidity & mold risk for 76641
Air Quality
N/A
EPA AQI index
Humidity
8/30
seasonal impact
Mold
11/30
housing + humidity
RISK SCORE 32/100
Low Moderate Severe
Mold risk is the primary respiratory factor
Older homes in humid climates are prone to hidden mold. Consider a professional mold inspection and a HEPA air purifier for occupied rooms.
Sources: EPA AirNow (daily AQI), NOAA humidity normals, mold risk model (housing age + humidity + flood history). Updated daily. Score combines air quality (40%), humidity stress (30%), and mold risk (30%).

Superfund Sites & Soil Contamination Risk

0
Very Low Proximity Risk
EPA Superfund NPL site proximity score for 76641
Nearest NPL Site
45.6 mi
73.4 km —
Sites Within 10 km
0
NPL sites within ~6.2 miles
Risk Level
Very Low
based on proximity & site status
Sites Within 25 km
0
NPL sites within ~15.5 miles
SUPERFUND PROXIMITY SCORE 0/100
0 — No nearby sites 100 — Highest Risk

What Are Superfund NPL Sites?

The National Priorities List (NPL) is the EPA's list of the most contaminated sites in the United States. These sites are eligible for federal cleanup funding under CERCLA (the "Superfund" law). Common contaminants include heavy metals, volatile organic compounds (VOCs), pesticides, and industrial solvents that can leach into soil, groundwater, and air.

  • Active Cleanup: EPA is investigating or remediating the site — contamination may still be present.
  • Construction Complete: Physical cleanup is done, but long-term monitoring continues.
  • Deleted: Site meets EPA cleanup standards and has been removed from the NPL.

Know What's in Your Soil

If you live near a Superfund site, a home soil test kit can detect heavy metals, lead, and other contaminants — especially important if you garden, have children, or use well water.

Product links may earn a commission — see our disclosure.

📊 EPA Superfund National Priorities List (NPL) · Updated March 2026 · View source →

Pollution and Population Health

This section places two independent federal datasets side by side: environmental measurements from the EPA and population-health estimates from the CDC. They describe the same ZIP code but are collected separately, and each one is read on its own terms.

Environmental data — EPA

Local pollution measurements

Air, traffic and contaminated-site indicators for this ZIP code, from EPA programs.

Fine particulate matter (PM2.5) Nat. percentile: 70
Diesel exhaust Nat. percentile: 20
Traffic proximity Nat. percentile: 30

Each bar is this ZIP code’s EJScreen national percentile; a higher value means more exposure compared with other U.S. areas.

Air quality (NEI)
Grade B · median AQI 48
Toxic-release facilities (TRI)
No facilities in this ZIP code report to the EPA Toxics Release Inventory.
Superfund site proximity
Superfund (NPL) sites within 10 km: 0 · nearest about 45.6 mi away
📊 EPA — National Emissions Inventory, EJScreen, Toxics Release Inventory & Superfund (NPL) · Updated 2026 · View source →
AIR EMISSIONS TREND (5-YEAR, EPA AIRDATA)

Across 5 reporting cycles in Navarro County, TX, EPA AirData shows a 14.3% increase in median AQI.

EPA AirData = facility-reported industrial emissions, county rollup. Does not measure ambient or breathable air quality at any specific address. EPA AirData methodology

EPA AirData annual AQI summaries 2020-2024

Two independent datasets. Air and soil pollution data (EPA) and health-prevalence data (CDC) are independent datasets shown side by side for context only. ZipCheckup does not establish a causal link between local pollution and any health condition, and these figures do not demonstrate one.

Health data — CDC

Population-health estimates

CDC PLACES modeled prevalence among adults in this ZIP code, each shown with its 95% confidence interval. The prior-release figure is shown alongside as a reference point only; CDC explicitly cautions that small-area year-to-year differences may reflect model recalibration rather than real change.

Adult asthma
Current (2025 release)
10.6%
95% CI 9.3–11.8
Prior (2024 release)
10.3% (95% CI 9.1–11.6)
Within model uncertainty
COPD
Current (2025 release)
8.8%
95% CI 7.5–10.2
Prior (2024 release)
9.5% (95% CI 8.6–10.5)
Within model uncertainty
Cancer
Current (2025 release)
8.3%
95% CI 7.5–9.1
Prior (2024 release)
8.7% (95% CI 7.9–9.6)
Within model uncertainty

Modeled small-area estimates produced from the BRFSS national survey and census demographics (Zhang et al. 2014). Not direct measurements; not for diagnostic or screening use.

Only CDC PLACES measures present in every release since 2020 appear with a prior-release reference; newer measures (added in 2023 and later) are presented without a prior figure.

CDC PLACES estimates are modeled from the BRFSS national survey and ACS demographics — not direct counts. Year-to-year differences between releases may reflect model recalibration, BRFSS sample-frame changes or census-tract-to-ZIP crosswalk adjustments rather than actual change. Margins of error often exceed annual differences at this geography. Not for diagnostic or screening use.
📊 CDC PLACES — modeled small-area health estimates (current 2025 release, with 2024 prior release shown for reference) · Updated PLACES 2025 · View source →
Food access — USDA

Food access for this area

How the USDA classifies access to grocery stores and fresh food across the surrounding census tract.

USDA access category
Moderate access concern

USDA Food Access Research Atlas tract estimates, mapped from census tract to ZIP code. These are modeled population-level figures, not findings about any individual or any specific address.

📊 USDA — Food Access Research Atlas · Updated FARA 2019 · View source →

Pollution–Health Comparison Index

In 76641, the CDC models adult-asthma prevalence at 10.6%, while a statistical model of local pollution and poverty predicts about 11.1% — close to the model’s prediction.

Below predicted Above predicted

Among U.S. ZIP codes, this one sits at percentile 40 for how far observed asthma is above or below the model’s prediction.

Model fit (R²): 0.1601  how much of the variation in asthma the model accounts for; a lower value means a weaker fit and a less reliable comparison.

The Pollution–Health Comparison Index is a percentile rank showing how this ZIP code’s observed asthma prevalence compares with what a statistical model would predict from local pollution and poverty alone. It describes a statistical association, not a cause-and-effect relationship.

The environmental data (EPA) and health-prevalence data (CDC) in this section are independent datasets presented side by side for general informational purposes. Health figures are CDC PLACES modeled estimates with 95% confidence intervals — statistical models, not diagnoses, and they do not describe any individual. ZipCheckup does not establish a causal link between environmental conditions and health outcomes, and nothing in this section is medical advice. For questions about personal health or local environmental conditions, a licensed clinician or a state or local public-health authority is the right source.

Agricultural pesticide use in the surrounding county

USGS estimates how many kilograms of agricultural pesticides are applied each year in this ZIP code’s surrounding county, plus the five most-applied compounds. These are county-level use estimates, not a measurement of any pesticide in the tap water served to this ZIP code.

USGS county-level estimate
72.2k kg
estimated kilograms of pesticides applied each year across the surrounding county.

Top compounds by volume

The five compounds applied in the largest amounts across this county. Where the EPA sets a drinking-water reference limit (MCL) for a compound, that limit is shown for context — it is a regulatory reference, not a finding of any concentration in this ZIP code’s water.

  • 2,4-D
    Herbicide · 22.4k kg/yr · EPA drinking-water reference limit: 70 ppb
    Moderate water concern
  • GLYPHOSATE
    Herbicide · 20.2k kg/yr · EPA drinking-water reference limit: 700 ppb
    Moderate water concern
  • DICAMBA
    Herbicide · 6.1k kg/yr
    Low water concern
  • ATRAZINE
    Herbicide · 4.6k kg/yr · EPA drinking-water reference limit: 3 ppb
    High water concern
  • ACETOCHLOR
    Herbicide · 4.5k kg/yr
    Moderate water concern

4 of the top compounds are ones the EPA flags for drinking-water monitoring — see the drinking-water section above

What this means

  • These figures describe pesticide application across the surrounding county, not the drinking water at this address.
  • An EPA Maximum Contaminant Level (MCL) is a regulatory reference for how much of a compound is allowed in finished tap water — it is not a finding of contamination at this ZIP code.
  • Tested drinking-water results from the local water system — when reported — appear in the drinking-water section of this report.

Methodology: Annual county pesticide-use estimates are from the USGS Pesticide National Synthesis Project, mapped from county FIPS to ZIP code. EPA Maximum Contaminant Levels are reproduced from federal drinking-water regulations and are reference points only.

Informational only. County-level agricultural pesticide-use estimates are not a measurement of any pesticide in the drinking water served by this ZIP code, nor an assessment of health risk. Tested drinking-water results, when reported by the local water system, appear in the drinking-water section above.

📊 USGS Pesticide National Synthesis Project · Updated May 2026
Home & Infrastructure (7) OK

Home Buyer Risk Report

An inspection-grade snapshot of public-data risk factors for this ZIP, built to help a buyer decide what to verify before closing.

41/100
Home Purchase Risk Score
Low Risk

Public federal data shows a low overall risk profile for this ZIP. The checklist below works alongside a standard home inspection.

Seven-factor inspection checklist

Each factor below is scored 0–100 from public federal data. A higher score means the factor is more worth verifying before you buy.

Water quality · 25% of score

The local water system's recent EPA violation and contaminant history, along with an independent tap-water test, gives more context.

Test recommended
Flood · 20% of score

The FEMA flood zone, whether the property has flooded before, and flood-insurance requirements are key points to review.

No flag
Lead · 15% of score

Homes built before 1986 may have lead pipes or solder, and pre-1978 homes may have lead paint — a lead inspection adds clarity.

No flag
Energy · 15% of score

Heating and cooling costs and the age of the HVAC system, along with recent utility bills, give a fuller picture.

No flag
Housing age · 10% of score

Older homes more often have aging plumbing, wiring, and a water heater near end of life — a full inspection adds detail.

No flag
Radon · 10% of score

The EPA recommends testing every home for radon; homes in EPA Radon Zone 1 have the highest potential.

No flag

Nearby hazards

Superfund proximity

No EPA Superfund (National Priorities List) sites recorded within 10 km.

ATSDR public-health assessment for nearby sites: No Apparent Public Health Hazard.

58%

Modeled probability of a local water-service disruption in the next 90 days.

See the 90-day disruption outlook

Inspection-day checklist

Practical items to raise with your inspector, agent, or the seller — tailored to this ZIP's data.

  • Review the local water system's recent disruption and violation history with the utility.
  • Hire an independent home inspector for a full walkthrough of the property.
  • Read the seller's disclosure and any past inspection or repair records.
  • Ask for service records for the HVAC system, water heater, and roof.

What this means

  • This report consolidates seven home-purchase risk factors and nearby hazards from public federal data into one place.
  • Each flagged item is a recommendation to verify independently — not a finding of a defect.
  • An independent home inspection remains an essential step before closing.

Methodology: The report combines the home purchase risk score — a seven-factor composite of public federal data — with EPA Superfund, ATSDR, water-disruption, and NRC nuclear-zone proximity datasets. All figures are modeled estimates.

Informational only. This is a modeled summary of public federal data, not a home inspection, an appraisal, or a prediction of defects. Verify any concern with a qualified inspector before a purchase.

📊 EPA, FEMA, U.S. Census, NRC · Updated May 2026

Housing Profile for 76641

Based on U.S. Census data (ACS B25034), there are 700 housing units in this ZIP code. The median home was built around 1984, making it roughly 42 years old.

Median Home Age
42
years (built ~1984)
Lead Paint Risk
51%
homes built before 1986
Lead Pipe Risk
14%
homes built before 1950

When Homes Were Built

Pre-1940
7% (52)
1940–1949
7% (46)
1950–1959
5% (37)
1960–1969
6% (45)
1970–1979
9% (65)
1980–1989
27% (186)
1990–1999
21% (147)
2000–2009
11% (75)
2010–2019
6% (42)
2020+
1% (5)
Highest risk (pre-1950) Elevated risk (1950–1979) Lower risk (1980+)

What This Means for Home Equipment

Homes built in the 1984s era typically have equipment that has been replaced at least once. Based on typical replacement cycles:

  • Water heater: estimated ~6 years old (avg lifespan: 12 years)
  • HVAC system: estimated ~8 years old (avg lifespan: 17 years)
  • Plumbing: likely Copper

Home Value Context

Median Home Value
$143,200
26% below state median ($194,700)
Est. Safety Remediation
$600
0.4% of median home value

Estimated median home value in this ZIP code based on Census ACS data. Safety remediation costs include water filtration, lead abatement, radon mitigation, and flood insurance where applicable.

📊 Census ACS B25034 · Updated March 2026 · View source →

Equipment Age Estimate for 76641

Based on Census data, the median home in this ZIP was built in 1984 (~42 years old). 51% of homes were built before 1986.

Lead Pipe Risk
Elevated
51% homes pre-1986
Electrical Risk
Low
19% homes pre-1970
Water Heater Est. Age
~6 yrs
Avg lifespan: 12 yrs
HVAC Est. Age
~8 yrs
Avg lifespan: 17 yrs
⚠ EPA Lead Pipe Compliance Deadline — Your Utility Must Act

The EPA Lead and Copper Rule Improvements (LCRI), finalized October 2024, requires all water utilities to:

  • By October 2027: Complete a lead service line inventory and notify all customers with lead or unknown lines
  • By ~2037: Replace 100% of lead service lines (mandatory 10-year deadline)
  • New action level: Lowered from 15 ppb to 10 ppb — more homes now trigger mandatory action

51% of homes in ZIP 76641 were built before 1986 — the year lead solder was banned. If you receive a notification letter from your water utility, your home likely has lead service lines or lead solder connections.

Recommended actions:
  1. Get your water tested for lead (request a test kit from your utility at no cost)
  2. Install a certified lead-reducing filter (NSF/ANSI 53)
  3. Contact your utility about replacement assistance — costs run $5,000–$15,000, utilities may cover a portion under LCRI
  4. Have a plumber inspect your service line connection

Likely pipe material: Copper

Estimates based on U.S. Census ACS housing vintage data and typical equipment lifespans. Actual conditions vary by home.

Water Infrastructure Risk

39%
Moderate Risk
Estimated pipe failure probability for 76641
State Funding Gap
$622
per resident (20-year need)
Pre-1980 Housing
51%
of homes built before 1980
System Violations
2
EPA violations on record
Lead Indicators
Present
lead service lines likely

Risk Factor Breakdown

Infrastructure Funding Gap 27%
State drinking water infrastructure need relative to population
Housing Vintage 36%
Proportion of homes with plumbing installed before 1980
Violation History 45%
EPA Safe Drinking Water Act violations and enforcement actions
Lead Exposure Risk 48%
Lead service line probability and lead testing results

What This Means

ZIP code 76641 has some aging water infrastructure. While not at the highest risk level, periodic water testing is a sensible precaution, particularly if your home was built before 1980.

📊 EPA DWINS, Census ACS, EPA SDWIS, LCRR · Updated March 2026 · View source →

Infrastructure Decay & Disruption

44
Low infrastructure stress
Higher modeled infrastructure stress than 27% of US ZIP codes

Water pipe decay

Local water mains are modeled to reach a critical service threshold within about 3 years.

New 60% of service life consumed End of life
Decay trend
Slow
Likely pipe material
Copper
Estimated system age
42 yrs
Modeled failure probability
39%
estimated annual water-main break likelihood

Bridge condition (FHWA NBI)

Bridges in area
342
Rated in poor condition
2%
FHWA NBI structural rating
Average bridge age
47 yrs
Worst bridge rating
2/9
FHWA NBI scale — 9 is excellent, 0 is failed

Bridge figures are from the Federal Highway Administration's National Bridge Inventory. They describe area-level structural ratings, not the safety of any specific bridge.

Bridge condition — FHWA NBI 2024 annual release

Of 345 bridges classified within this ZIP code's surrounding county, 4 are classified Poor by FHWA NBI 2024.

Good (140) · Fair (201) · Poor (4)

FHWA classifies bridges as Good (rating 7-9), Fair (5-6), or Poor (0-4) based on biennial inspections of deck, superstructure, substructure, and culvert components.

Counts are county-level aggregated; multiple ZIP codes within the same county share these counts. No per-bridge or per-structure-ID claim is made.

Source: FHWA National Bridge Inventory, 2024 annual release.

Gas pipeline incident history

PHMSA records 1 reported gas-distribution pipeline incidents on file for this area.

Source: U.S. Pipeline and Hazardous Materials Safety Administration (PHMSA) historical incident data.

58%

This is the modeled probability of a boil-water advisory or water-service interruption in the next 90 days.

See the full service-disruption breakdown →

What this means

  • This score blends four public federal datasets — water-pipe decay, bridge condition, gas-pipeline incident history, and a 90-day disruption estimate — into one area-level measure of infrastructure stress.
  • It describes the infrastructure around a home, not the condition of the home itself, and it is a modeled estimate rather than an engineering assessment.
  • Aging water mains raise the chance of breaks and service interruptions; a plumber can inspect a home's own supply line and shut-off valve.

Methodology: Water-pipe decay is modeled with an exponential-decay bathtub curve from Census ACS housing age, EPA ECHO compliance records, and EPA infrastructure-needs data. Bridge condition is from the FHWA National Bridge Inventory; gas-pipeline incidents from PHMSA; the 90-day disruption estimate from EPA and FEMA data. The stress score is a weighted composite of these four signals.

All figures are modeled estimates from public federal data. They are not engineering assessments, predictions of failure, or a judgment about any specific structure or utility.

📊 Census ACS, EPA ECHO, FHWA NBI, PHMSA, FEMA · Updated May 2026

HVAC System Health for 76641

Estimated HVAC Age
~8 years
Average lifespan: 17 years
Replacement Status
Good Condition
Likely within reliable service window. Annual maintenance recommended.

At 15.69¢/kWh, Texas's electricity rates are near the national average. An efficient HVAC system can still reduce your energy bills by 20–30%.

Seasonal HVAC Tips for Texas

Spring / Summer
  • Clean AC condenser coils and clear debris
  • Test AC before peak season
  • Check refrigerant levels (professional tech only)
  • Consider a programmable thermostat to reduce load
Year-Round
  • Replace filter monthly in high-use months
  • Keep vents unobstructed
  • Schedule bi-annual professional inspection

Common HVAC Issues for 1984-Era Homes

  • Undersized ductwork — older designs often can't handle modern HVAC airflow requirements
  • Poor insulation — pre-1980s homes lose 25–40% more heat through walls and attic
  • Obsolete refrigerant — R-22 (Freon) phased out; repair costs significantly higher
  • Asbestos in duct insulation — homes before 1980 may need professional abatement before HVAC work

HVAC Questions for 76641

How do I know if my HVAC system needs replacement?

Key signs include: the system is over 15 years old, frequent repairs (more than 2 per year), uneven heating/cooling between rooms, rising energy bills despite normal use, and unusual noises or odors. Based on census data, the median home in 76641 was built in 1984, putting the estimated HVAC system age at ~8 years.

What SEER rating should I look for in a new HVAC system?

As of 2023, the federal minimum is SEER2 15 for central AC in the southern U.S. and SEER2 14 in the north. For Texas, look for at least SEER 16–18 for good efficiency. Higher SEER ratings (20+) cost more upfront but save more in areas with high electricity rates. ENERGY STAR certified units are a reliable starting point.

How much does HVAC replacement cost in Texas?

A full HVAC replacement (furnace + AC) typically ranges from $5,000–$12,000 depending on system size, efficiency rating, and ductwork condition. Heat pump systems range from $4,000–$10,000. Federal tax credits (25C) cover up to 30% of the cost for qualifying heat pumps and high-efficiency systems. Check our rebates page for Texas-specific incentives.

What refrigerant does my AC use and why does it matter?

If your AC was installed before 2010, it likely uses R-22, which was banned in 2020 and now costs $50–$150/lb. Systems from 2010–2024 typically use R-410A, which is being phased down (AIM Act 2025). New systems use R-454B or R-32. When your current system needs major repair, the refrigerant type significantly affects whether repair or replacement makes more economic sense.

Should I replace my furnace before the 2028 efficiency deadline?

If the furnace in a home is over 15 years old and the area has a cold/moderate climate, planning ahead is wise. After December 2028, only 95% AFUE condensing furnaces will be available. These require PVC venting — retrofitting an older home for PVC can cost $1,500–$2,500 on top of the furnace price. Replacing before the deadline with a standard 80% AFUE unit may be more cost-effective if the venting isn't PVC-ready.

HVAC age estimate based on U.S. Census ACS housing vintage data and a 17-year replacement cycle. Actual system age varies by home.

Appliance Age Estimates for 76641

Median home built in 1984 (~42 years old). Appliance ages estimated from typical replacement cycles.

Water Heater
~6 yrs
Avg lifespan: 12 yrs · $800–$2500
Dishwasher
~6 yrs
Avg lifespan: 12 yrs · $700–$2500
Washing Machine
~6 yrs
Avg lifespan: 12 yrs · $600–$2200
Dryer
~3 yrs
Avg lifespan: 13 yrs · $500–$2000
Refrigerator
~0 yrs
Avg lifespan: 14 yrs · $1000–$4000
Garbage Disposal
~6 yrs
Avg lifespan: 12 yrs · $200–$600

How Water Quality Affects Appliance Lifespan

Water conditions in Frost directly impact how long your appliances last.

Hard Water
Mineral buildup (calcium, magnesium) clogs water heaters, dishwashers, and washing machines. Can reduce lifespan by 25–30%.
Sediment & Particulates
Sand and rust particles accelerate wear on valves, seals, and heating elements in water heaters and dishwashers.
High Chlorine
Corrodes rubber gaskets and seals in washing machines and dishwashers, leading to leaks and premature failure.
Low pH (Acidic Water)
Corrodes metal components inside water heaters and garbage disposals, shortening their service life.

Homes built before 1996 have likely gone through 2+ full appliance replacement cycles. If original appliances remain, they are well past expected lifespan.

Appliance Maintenance FAQ

How often should I flush my water heater?

Flush your tank water heater at least once a year to remove sediment buildup. In areas with hard water, every 6 months is recommended. Sediment reduces heating efficiency and accelerates tank corrosion, shortening lifespan by 2–4 years.

When should I replace my dishwasher vs. repair it?

If your dishwasher is over 9 years old and the repair costs more than 50% of a new unit, replacement is generally more cost-effective. Common signs: dishes not getting clean, water pooling after cycles, or rust spots on the interior.

Does a water softener really extend appliance life?

Yes. A water softener can extend water heater lifespan by up to 30% and reduce dishwasher and washing machine maintenance by preventing mineral scale buildup on heating elements, valves, and spray arms. The Battelle Memorial Institute found that softened water kept water heaters at original factory efficiency over a 15-year period.

Estimates based on U.S. Census housing vintage data and manufacturer-average replacement cycles. Actual appliance age depends on renovation history and maintenance.

Electrical Safety for 76641

Median home built in 1984 (~42 years old).

Electrical Risk Level
Low
19% homes pre-1970
Est. Panel Age
~12 yrs
Avg lifespan: 25–40 yrs

Common Electrical Issues for 1984-Era Homes

  • Aging circuit breakers — breakers can weaken over time and fail to trip during overloads, creating fire hazards
  • Insufficient circuits — homes from this era may lack dedicated circuits for kitchen, bathroom, and laundry areas
  • Missing GFCI/AFCI protection — current code requires GFCI in wet areas and AFCI in bedrooms; older homes often lack both
  • Outdated panel capacity — 100–150 amp panels may be insufficient for modern loads (heat pumps, EV charging, home office)

⚠️ Insurance Compliance Alert

51% of homes in 76641 were built before 1986 — the era when Federal Pacific (FPE StabLok), Zinsco, and Challenger electrical panels were commonly installed.

These panels have a documented 60%+ breaker failure rate and are refused by major insurance companies including State Farm, Allstate, and Citizens (FL).

If you receive an insurance non-renewal notice or 4-point inspection failure:

  • Typical deadline: 30 days to replace panel
  • Replacement cost: $1,500–$4,000
  • Failure to replace: insurance cancellation → mortgage default risk

Insurance blacklist: State Farm, Farmers, Allstate, USAA, Mercury, Citizens (FL), Nationwide.

When to Call an Electrician

Urgent Signs
  • Burning smell from outlets or panel
  • Frequent breaker trips
  • Sparking or discolored outlets
  • Buzzing sounds from wiring or panel
Recommended Inspections
  • Before buying a home (especially pre-1980)
  • After any water damage or flooding
  • Before adding major appliances or EV charger
  • If your panel is 25+ years old

Electrical Safety Tips

Panel & Wiring
  • Never use a fuse with a higher amperage rating than the circuit is designed for
  • Label all breakers clearly in your electrical panel
  • Keep 3 feet of clearance in front of your electrical panel
Around the Home
  • Test GFCI outlets monthly using the built-in test button
  • Replace any cracked or warm outlet covers immediately
  • Do not daisy-chain power strips or extension cords

Homes built before 1986 may have aluminum wiring or undersized panels. An electrical safety inspection can identify hidden fire risks.

Electrical Safety Questions for 76641

How do I know if my electrical panel needs an upgrade?

Key signs include: frequent breaker trips, a panel over 25 years old, fuses instead of circuit breakers, visible rust or corrosion, and a panel rated below 200 amps if you have modern appliances, HVAC, or an EV charger. Based on census data, the median home in 76641 was built in 1984 — homes of this age often have panels that don't meet current electrical demands.

How much does an electrical panel upgrade cost?

A panel upgrade from 100 to 200 amps typically costs $1,500–$4,000 depending on your location and the complexity of the work. If the meter base or service entrance also needs replacement, costs can reach $4,000–$6,000. Rewiring a full home (common in pre-1960 homes) ranges from $8,000–$15,000+ depending on size and accessibility.

Is aluminum wiring dangerous?

Aluminum wiring itself is not inherently dangerous, but connections between aluminum wiring and copper devices (outlets, switches) can overheat due to differential thermal expansion. The Consumer Product Safety Commission (CPSC) found that homes with aluminum wiring are 55 times more likely to have fire-hazard conditions. If your home has aluminum wiring, a qualified electrician can install COPALUM or AlumiConn connectors to make connections safe.

Is my home likely to have a Federal Pacific or Zinsco panel?

These panels were installed primarily between 1960 and 1985. Based on census data, 51% of homes in 76641 were built during this era. If your home was built in this period and the panel has never been replaced, there is a meaningful chance it contains an FPE StabLok or Zinsco panel. Look for the brand name on your breaker panel door.

Electrical risk assessment based on U.S. Census ACS housing vintage data. Actual wiring and panel condition varies by home and renovation history.

CO & Gas Safety Profile

1
Low Gas Risk
PHMSA gas distribution incident risk score for 76641
County Incidents
1
gas distribution incidents since 2004
Fatalities
0
no deaths reported
Latest Incident
2016
most recent reported
Risk Level
Low
based on incident history
RISK SCORE 1/100
0 — Safe 100 — Highest Risk

CO & Gas Safety Tips

  • Install CO detectors on every level of your home and near sleeping areas. Replace batteries annually and units every 5-7 years.
  • Know gas leak signs: rotten egg smell, hissing sounds near gas lines, dead vegetation near pipelines, bubbling in standing water.
  • Annual inspection: have a licensed technician inspect gas appliances (furnace, water heater, stove) every year.
  • Emergency: if you smell gas, leave immediately, do not use electrical switches, and call 911 or your gas company from outside.

Protect Your Home from Carbon Monoxide

The CPSC recommends a CO detector on every level. Battery-operated models start at $20. Smart detectors with app alerts start at $35.

Product link may earn a commission — see our disclosure.

📊 PHMSA Gas Distribution Incidents · Updated March 2026 · View source →

Remodeling Permit Requirements in Texas

ⓘ Permits Required
What Requires a Permit

Electrical and plumbing statewide. Structural permits in municipalities — unincorporated areas of many counties exempt.

Typical Permit Cost
$75 – $2500
Based on Texas fee schedules
Penalty for Non-Compliance

Fines up to $2,000/day in municipalities, stop-work orders

Legal Reference: Texas Local Government Code §214.211; IRC adopted by municipality

Why This Matters

  • Unpermitted work can reduce your home's appraised value by 10–20% and complicate or block a sale entirely.
  • Homeowner insurance may deny claims for damage caused by or related to unpermitted renovations.
  • Buyers' lenders may require proof of permits before approving a mortgage, especially for kitchens, bathrooms, and structural changes.
  • Unpermitted electrical and plumbing work is a leading cause of house fires and water damage — permits exist to ensure safety inspections.
  • If you are planning remodeling work in Texas, contact your local building department before starting any project that alters structure, electrical, plumbing, or mechanical systems.

Remodeling Permit Questions for 76641

What remodeling work requires a permit in Texas?

In Texas, permits are generally required for any work that alters the structure, electrical wiring, plumbing, or mechanical systems of a home. This includes kitchen and bathroom renovations involving plumbing or electrical changes, wall removal, room additions, window enlargements, re-roofing, and HVAC replacement. Purely cosmetic work — painting, flooring, cabinet refacing without plumbing changes — typically does not require a permit. Always check with your local building department, as municipal requirements may be stricter than state minimums.

What happens if I remodel without a permit in Texas?

Working without a required permit in Texas can result in Fines up to $2,000/day in municipalities, stop-work orders. Beyond legal penalties, unpermitted work creates problems when selling: buyers' home inspectors and appraisers flag unpermitted additions, lenders may refuse financing, and title companies may require permits to be obtained retroactively — often at 2–3 times the original permit fee. In serious cases, you may be required to open walls for inspection or demolish non-compliant work.

How much does a remodeling permit cost in Texas?

Remodeling permit fees in Texas typically range from $75 to $2500, depending on the scope and value of the project. Most jurisdictions calculate fees as a percentage of the project's estimated construction cost (usually 1–2%) or use a flat fee schedule based on project type. Electrical and plumbing sub-permits may be billed separately. Contact your local building department for an exact fee quote before starting work.

Permit requirements based on Texas building codes and ICC adoption data. Costs reflect typical municipal fee schedules and may vary by jurisdiction, project scope, and valuation. This information is for general guidance only — contact your local building department for requirements specific to your project.

Cost & Community (4) OK

True Cost of Ownership

$720
estimated extra annual cost vs a median-risk US ZIP
Higher modeled annual risk-cost than 32% of US ZIP codes

How this ZIP compares

US median ZIP
$1,200
per year
TX median
$1,044
per year

Where the estimate comes from

Wildfire$300
Energy-code gap$270
Lead & water safety$150

5-year equipment outlook

No major equipment is flagged for likely replacement within five years.

What this means

  • This is a modeled estimate of how much more — or less — a household here may spend each year on risk-related costs such as insurance, mitigation, testing, and maintenance, compared with a typical US ZIP.
  • It is a comparison figure for context, not a bill, a quote, or financial advice.
  • The 5-year equipment ranges above are separate one-time replacements, not part of the annual figure.

Methodology: Each of 13 risk verticals is assigned a dollar figure from public federal data; the total is the modeled annual difference from a median-risk US ZIP. The 5-year equipment outlook flags major home equipment whose estimated age is within five years of its typical service life; figures are national-average installed-cost ranges.

Estimates are modeled from public federal data. They are not quotes, prices, or financial or insurance advice.

Tax Burden in Texas

State tax rates affect cost of ownership. Here's how Texas compares to national averages.

Income Tax
None
top marginal rate
US avg: 5.3%
Sales Tax
8.2%
combined avg
US avg: 6.6%
Property Tax
1.81%
effective rate
US avg: 0.98%
Sales Tax Breakdown
State rate: 6.25%
Avg local add-on: 1.95%

No state income tax; high property tax rate

Source: Tax Foundation 2024. Income tax = top marginal rate. Sales tax = state + avg local. Property tax = effective rate on home value.

Energy Costs in Texas

Residential electricity rate: 15.69¢/kWh8% below the national average (national avg: 17.0¢/kWh · EIA, December 2025)

Texas Energy Mix

Solar 9.9% Wind 21.9% Nuclear 7% Gas 48.8% Coal 11.7%
Renewable energy
32.0%
Clean energy (incl. nuclear)
39.1%

Source: EIA Form 923, 2025 data. Renewable = solar + wind + hydro + geothermal.

📊 EIA + Census ACS · Updated March 2026 · View source →

Home Energy Audit for 76641

IRA Energy Incentives Are Time-Limited

The Inflation Reduction Act provides up to $8,000 in rebates and $3,200 in annual tax credits for home energy upgrades — but many provisions phase down or expire after 2032. A professional energy audit is the first step to qualifying for these incentives. Homes in 76641 average ~42 years old, making energy audits especially impactful.

Electricity Rate
15.7¢/kWh
Texas state average (8% below U.S. avg)
Est. Annual Energy Cost
$1,647
based on avg U.S. household (10,500 kWh/yr)
Renewable Energy
32%
of Texas's electricity from renewables
Potential Annual Savings
$247–$494
15–30% savings from energy audit

What a Home Energy Audit Covers

Thermal Envelope
  • Insulation levels in attic, walls, and basement
  • Air leaks around windows, doors, and ducts
  • Blower door test (measures total air leakage)
Equipment & Systems
  • HVAC efficiency and age assessment
  • Water heater type and condition
  • Lighting and appliance energy use
Safety Checks
  • Carbon monoxide and combustion safety
  • Moisture and ventilation assessment
  • Gas leak detection
Deliverables
  • Prioritized list of recommended upgrades
  • Estimated cost and savings for each upgrade
  • Rebate and tax credit eligibility report
Potential Savings from an Energy Audit
  • The average home energy audit identifies $200–$400/year in savings (DOE)
  • Properly sealed and insulated homes save 15% on heating and cooling costs (DOE)
  • Heat pump upgrades can reduce heating costs by 30–50% compared to electric resistance
  • ENERGY STAR certified windows save $101–$583/year compared to single-pane windows
  • Weatherization assistance programs are available for income-qualifying households

Homes in 76641 are ~42 years old on average — older homes typically have the most to gain from an energy audit due to outdated insulation, single-pane windows, and aging HVAC systems.

Federal & State Incentives
IRA Tax Credits (IRC §25C) — up to $3,200/year
$2,000 — Heat pump / heat pump water heater
$1,600 — Insulation & air sealing
$600 — Windows & doors
$150 — Home energy audit itself
IRA Rebates (HEEHRA — income-qualified)
Up to $8,000 — Heat pump installation
Up to $1,600 — Insulation & air sealing
Up to $2,500 — Electrical panel upgrade
Up to $840 — Heat pump clothes dryer
30% tax credit for solar panels — extended through 2032 under the Inflation Reduction Act (IRC §25D). No annual cap for residential solar.

Under the Inflation Reduction Act. Income limits apply for HEEHRA rebates. Tax credits require tax liability. IRS details →

DOE Home Energy Audit Standards

To claim the $150 federal tax credit, your energy audit must meet DOE standards (10 CFR 440.21) and be performed by a qualified auditor. A DOE-compliant audit includes:

  • Blower door test to measure air infiltration
  • Infrared thermography to identify insulation gaps
  • Combustion safety testing for gas appliances
  • Written report with prioritized, cost-effective upgrade recommendations

Energy Audit Questions for 76641

How much does a home energy audit cost?

A professional home energy audit typically costs $150–$400 depending on the size of your home and the depth of testing. The Inflation Reduction Act provides a $150 tax credit for qualifying audits performed by a certified auditor, effectively covering a significant portion of the audit cost. Some utilities also subsidize audits for their customers.

What is the difference between an energy audit and a home inspection?

A home inspection (done during a home sale) evaluates structural and safety conditions. An energy audit specifically measures how your home uses energy and identifies efficiency improvements. Energy audits use specialized tools like blower doors, infrared cameras, and duct blasters that are not part of a standard home inspection. The audit produces a prioritized list of upgrades with estimated costs and savings.

How much can I save after an energy audit?

According to the U.S. Department of Energy, the average audit identifies $200–$400/year in savings. Actual savings depend on your home's age, current insulation, HVAC efficiency, and local energy rates. At current rates in Texas, the average home spends approximately $1,647/year on electricity — a 15–25% reduction through audit-recommended upgrades could save $247–$412 annually. With homes in 76641 averaging ~42 years old, there is likely significant potential for improvement.

What rebates and tax credits are available for energy upgrades?

The Inflation Reduction Act (IRA) provides two types of incentives: (1) Tax credits up to $3,200/year for heat pumps ($2,000), insulation ($1,600), windows ($600), and the audit itself ($150); and (2) HEEHRA rebates for income-qualifying households — up to $8,000 for heat pumps, $1,600 for insulation, $2,500 for electrical panels, and $840 for heat pump dryers. Solar panels qualify for a separate 30% tax credit through 2032.

Do I need an energy audit before installing solar panels?

An energy audit is not legally required before installing solar, but the DOE strongly recommends it. Reducing your home's energy consumption before adding solar means you need a smaller (cheaper) system to cover your needs. An audit typically identifies 15–30% in energy reductions through insulation, air sealing, and HVAC improvements — which directly reduces the size and cost of a solar installation.

How long does a home energy audit take?

A comprehensive energy audit takes 2–4 hours for a typical single-family home. The auditor will inspect the attic, basement, walls, windows, HVAC system, water heater, and ductwork. Diagnostic tests (blower door, infrared scan) add precision to the findings. You will receive a written report within 1–2 weeks with prioritized recommendations and estimated costs.

Source: U.S. Energy Information Administration (EIA), U.S. Department of Energy (DOE), Inflation Reduction Act of 2022 (P.L. 117-169).

Safety Updates for Frost, Texas

Violations & Enforcement Timeline

2025-05-28 State Informal Action
2025-05-15 State Order Extension
2025-05-01 State Informal Action
2025-05-01 State Informal Enforcement
2025-04-23 State Informal Action
View all 12 records
2025-04-23 State Informal Enforcement
2025-03-31 State Informal Action
2025-03-31 State Informal Enforcement
2024-10-17 TT Sanitary Survey Active
2022-04-18 State Filed Suit
2021-11-10 State Order Extension
2021-04-01 MCL Total Trihalomethanes Resolved 0.09 MG/L

National safety news feed →

📊 EPA ECHO · Updated March 2026 · View source →

Recent Product Recalls

Recent CPSC recalls for plumbing and HVAC products that may affect homes in your area.

Superbobi 7 3/8 Inch Pool Drain Covers
Shenzhen Jiangtou Technology Co. · 2026-05-14

Electric Kettles (ENFINIGY 1.5 l and ENFINIGY Pro 1.5 l)
ZWILLING J. A. Henckels Aktiengesellschaft · 2026-05-14

Electric Start Pressure Washers
Generac Power Systems Expands · 2026-05-14

1-K Kerosene Heater Fluid Portable Fuel Containers
Alliance Chemical · 2026-04-30

View all recalls →

📊 CPSC · Updated March 2026 · View source →

Protect Your Home in Frost

Based on local data for ZIP 76641, these services may benefit homeowners in your area.

Based on local data for your area. Use the tools below to explore your options.

Gutter Installation & Repair

Homes in 76641 were built around 1984 on average. Aging gutters can cause foundation damage, basement flooding, and mold — a professional assessment can prevent costly repairs.

Typical cost: Gutter installation: typically $1,000–$2,500 for a standard home

Estimate Your Home Maintenance Costs

Window Replacement

With a median build year of 1984, many homes in Frost likely have original or outdated windows. ENERGY STAR windows can save $101–$583/year on energy bills.

Typical cost: Window replacement: typically $300–$800 per window installed

Estimate Your Home Maintenance Costs

Roofing Inspection & Repair

Active weather alerts in Texas increase the risk of roof damage from hail and high winds. A professional inspection can identify vulnerabilities.

Typical cost: Roof inspection: typically $75–$300; repairs $300–$1,500

Estimate Your Home Insurance Needs

Service recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.

Take Action

Concerned about these findings? Contact your local elected officials to ask what is being done about water quality in your area.

Email Your Representative

Don't know who to contact? Find your local representative at usa.gov/elected-officials

Frequently Asked Questions

Is the tap water in 76641 safe to drink?

Based on EPA SDWIS data, Frost's primary water system (Navarro Mills Water Supply Corporation) has 8 recorded violations in the past 5 years, including 3 health-based. Check the full report above for details.

Where does 76641's water come from?

The primary water source for ZIP code 76641 is Surface water. Navarro Mills Water Supply Corporation serves approximately 3,852 people.

How can I get my water tested in Frost?

Contact your local water utility (Navarro Mills Water Supply Corporation) for a free Consumer Confidence Report, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.

What is the radon risk for 76641?

76641 falls in EPA Radon Zone 3 (Low risk), located in Navarro County. Zone 1 indicates the highest radon potential. Testing your home is recommended regardless of zone.

Nearby ZIP Code Reports

Water quality comparison for ZIP codes near 76641

ZIP Code City, State Distance Grade Violations
76626 Blooming Grove, TX 5.2 mi A 0
76650 Irene, TX 6.5 mi C 0
76666 Mertens, TX 7.6 mi A 40
76639 Dawson, TX 9.7 mi A 4
75102 Barry, TX 9.8 mi B 13
76660 Malone, TX 10.1 mi A 2
76628 Brandon, TX 11.3 mi B 0
76679 Purdon, TX 12.0 mi A 1
76623 Avalon, TX 12.4 mi B 14
76651 Italy, TX 12.4 mi A 5

Overall safety breakdown

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Coverage: 11/17 risk factors Data sources →
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