Climate Risk Summary

Hooker, OK Risk Profile

The primary drivers of climate-related financial risk in Hooker, OK are Drought, Cold Wave, and Tornado. This area also faces an unusually high intensity for Lightning, Strong Wind, Hail, Winter Weather, Wildfire, and Ice Storm compared to national averages.

City-Wide Aggregation

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

Primary Risks

Drought

$741,776

Expected Annual Loss for Hooker

99.8Score

Very High compared to US average

Hooker (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Cold Wave

$244,118

Expected Annual Loss for Hooker

99.3Score

Very High compared to US average

Hooker
Minimal Estimated LossMax Estimated Loss

Tornado

$72,017

Expected Annual Loss for Hooker

88.7Score

Relatively High compared to US average

Hooker
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$741,776
Score: 99.8
MAJOR DRIVER
Cold Wave
$244,118
Score: 99.3
MAJOR DRIVER
Tornado
$72,017
Score: 88.7
Inland Flooding
$62,830
Score: 19.9
UNUSUALLY HIGH
Lightning
$20,682
Score: 98.3
UNUSUALLY HIGH
Strong Wind
$20,287
Score: 90.7
UNUSUALLY HIGH
Hail
$17,649
Score: 89.3
UNUSUALLY HIGH
Winter Weather
$15,218
Score: 99.3
UNUSUALLY HIGH
Wildfire
$12,562
Score: 93.0
UNUSUALLY HIGH
Ice Storm
$8,657
Score: 92.4
Earthquake
$3,395
Score: 37.1
Heat Wave
$2,222
Score: 14.6
Landslide
$0
Score: 37.3

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 88.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.3
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 90.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 89.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 93.0
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 92.4

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

HugotonLiberalPlainsUlyssesGuymon

Zip Codes in Hooker

73945