Climate Risk Summary

Oklahoma City, OK Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$111,874,049

Expected Annual Loss for Oklahoma City

45.6Score

Very High compared to US average

Oklahoma City
Minimal Estimated LossMax Estimated Loss

Tornado

$49,460,336

Expected Annual Loss for Oklahoma City

79.8Score

Very High compared to US average

Oklahoma City
Minimal Estimated LossMax Estimated Loss

Heat Wave

$39,842,214

Expected Annual Loss for Oklahoma City

90.5Score

Very High compared to US average

Oklahoma City
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$111,874,049
Score: 45.6
MAJOR DRIVER
Tornado
$49,460,336
Score: 79.8
MAJOR DRIVER
Heat Wave
$39,842,214
Score: 90.5
Cold Wave
$21,101,311
Score: 65.3
UNUSUALLY HIGH
Hail
$24,108,974
Score: 91.2
UNUSUALLY HIGH
Ice Storm
$9,005,458
Score: 89.5
Earthquake
$8,234,617
Score: 53.4
Strong Wind
$2,604,346
Score: 38.4
Wildfire
$1,149,108
Score: 47.9
Lightning
$1,072,630
Score: 32.3
Winter Weather
$756,602
Score: 54.2
Drought
$398,908
Score: 22.7
Hurricane
$57,700
Score: 25.8
Landslide
$1,551
Score: 36.2

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 79.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 90.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 91.2
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 89.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.2

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Del CityForest ParkMidwest CityMooreNichols Hills

Zip Codes in Oklahoma City

7300873012730137302073026730367304973054730647307173078730847309773099731027310373104731057310673107731087310973110731117311273114731157311673117731187311973120731217312273127731287312973130731317313273134731357313973141731427314573149731507315173159731607316273165731697317073173731797485174857