Risk Index · Oklahoma County · 2026-06-13
Oklahoma City, OK real-estate risk
- Risk score
- 97.9/100
- Relatively High
- Expected annual loss
- $298M
- all hazards, county-wide
- Buildings-only loss
- $195M
- what owners and insurers carry
- Population
- 795K
- Oklahoma County
Oklahoma City, OK (Oklahoma County) carries a FEMA National Risk Index score of 97.9/100, rated "Relatively High" and driven mainly by hail and tornado, with roughly $298M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail99.7
- Tornado99.5
- Heat wave99.5
- Riverine flood97.6
- Earthquake94
- Wildfire88.9
- Strong wind83.9
- Drought71.1
- Hurricane49.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Oklahoma City risk questions
Is Oklahoma City, OK a high-risk area for real estate?
Oklahoma City scores 97.9/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $298M per year.
What is the biggest natural hazard in Oklahoma City?
The highest-rated hazard is hail (99.7/100), followed by tornado (99.5/100).
How does hazard risk affect property insurance in Oklahoma City?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.