Waco's Climate Runs Hot, With Rain That Comes in Bursts

At Waco Regional Airport, the 1991–2020 normal July high is 96.7 degrees, the January low is 35.8, and annual precipitation is 36.40 inches. Actual years swing much wetter or drier. The average freeze-free stretch runs from March through November, though brief winter ice or snow still occurs.

Spring is the main season for severe thunderstorms, including hail, damaging wind, flooding, and tornadoes. For a house, read the declarations page and the wind-and-hail deductible instead of assuming every policy works alike. The Texas Department of Insurance says coverage varies, and most home policies do not cover flooding.