Climate Risk Summary

Pawnee, OK Risk Profile

The primary drivers of climate-related financial risk in Pawnee, OK are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Ice Storm, Heat Wave, Strong Wind, Hail, Wildfire, Drought, and Landslide compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $2,587, with a local policy non-renewal rate of 1.1%.

City Risk Scorecard
Physical Resilience10/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
Underwriting Pressure

Loss ratios exceed 80%. Carriers are paying out significantly relative to premiums.

Primary Risks

Inland Flooding

$295,622

Expected Annual Loss for Pawnee

74.2Score

Relatively Moderate compared to US average

Pawnee
Minimal Estimated LossMax Estimated Loss

Cold Wave

$105,856

Expected Annual Loss for Pawnee

91.4Score

Relatively High compared to US average

Pawnee
Minimal Estimated LossMax Estimated Loss

Tornado

$82,834

Expected Annual Loss for Pawnee

82.0Score

Relatively High compared to US average

Pawnee
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Significant Flood Exposure in Pawnee

FEMA Flood Maps for Pawnee identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively Moderate
Relative Vulnerability
$295,622
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$2,587

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

1.1%

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

81%

For every $1 collected in premium, insurers are paying out $0.81 in claims. Elevated ratios signal impending premium hikes.

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$295,622
Score: 74.2
MAJOR DRIVER
Cold Wave
$105,856
Score: 91.4
MAJOR DRIVER
Tornado
$82,834
Score: 82.0
UNUSUALLY HIGH
Ice Storm
$53,415
Score: 98.8
UNUSUALLY HIGH
Heat Wave
$36,459
Score: 82.7
UNUSUALLY HIGH
Strong Wind
$27,786
Score: 89.3
UNUSUALLY HIGH
Hail
$25,725
Score: 88.9
UNUSUALLY HIGH
Wildfire
$12,354
Score: 91.3
Earthquake
$6,991
Score: 43.5
Winter Weather
$2,280
Score: 75.3
UNUSUALLY HIGH
Drought
$1,686
Score: 85.5
Lightning
$1,594
Score: 28.8
Hurricane
$87
Score: 26.0
UNUSUALLY HIGH
Landslide
$28
Score: 80.3

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 74.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 82.0
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 98.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 82.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 89.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 88.9
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 91.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.3

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Cities

ClevelandCushingDrumrightMcCordMorrison

Zip Codes in Pawnee

74058
Climate Risk Analysis for Pawnee, OK