Climate Risk Summary

Clarita, OK Risk Profile

The primary drivers of climate-related financial risk in Clarita, OK are Hail, Drought, and Tornado. This area also faces an unusually high intensity for Wildfire, Heat Wave, Ice Storm, and Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Clarita.

Primary Risks

Hail

$347,188

Expected Annual Loss for Clarita

99.8Score

Very High compared to US average

Clarita (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Drought

$320,065

Expected Annual Loss for Clarita

99.5Score

Relatively High compared to US average

Clarita
Minimal Estimated LossMax Estimated Loss

Tornado

$123,346

Expected Annual Loss for Clarita

92.2Score

Relatively High compared to US average

Clarita
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hail
$347,188
Score: 99.8
MAJOR DRIVER
Drought
$320,065
Score: 99.5
MAJOR DRIVER
Tornado
$123,346
Score: 92.2
Inland Flooding
$116,920
Score: 30.5
UNUSUALLY HIGH
Wildfire
$88,156
Score: 97.3
Cold Wave
$48,221
Score: 78.8
UNUSUALLY HIGH
Heat Wave
$32,867
Score: 81.5
UNUSUALLY HIGH
Ice Storm
$32,709
Score: 97.5
Strong Wind
$12,653
Score: 75.6
Earthquake
$6,649
Score: 43.6
Lightning
$5,819
Score: 67.5
Winter Weather
$1,934
Score: 72.7
Hurricane
$1,424
Score: 47.1
UNUSUALLY HIGH
Landslide
$135
Score: 89.2

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 99.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 92.2
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 97.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.8
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 81.5
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 97.5
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 75.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.2

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

Nearby Cities

AdaAtokaByngCaddoDurant

Zip Codes in Clarita