Risk Index · Tulsa County · 2026-06-13
Tulsa, OK real-estate risk
- Risk score
- 97.9/100
- Relatively High
- Expected annual loss
- $292M
- all hazards, county-wide
- Buildings-only loss
- $165M
- what owners and insurers carry
- Population
- 668K
- Tulsa County
Tulsa, OK (Tulsa County) carries a FEMA National Risk Index score of 97.9/100, rated "Relatively High" and driven mainly by heat wave and strong wind, with roughly $292M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.6
- Strong wind99.4
- Tornado99.1
- Hail98.4
- Riverine flood97.9
- Wildfire91.3
- Earthquake89.9
- Drought73.5
- Hurricane46.3
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.
Tulsa risk questions
Is Tulsa, OK a high-risk area for real estate?
Tulsa scores 97.9/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $292M per year.
What is the biggest natural hazard in Tulsa?
The highest-rated hazard is heat wave (99.6/100), followed by strong wind (99.4/100).
How does hazard risk affect property insurance in Tulsa?
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.