Natural Disaster Risk in Carrier
Oklahoma
Risk Summary for Carrier
Carrier scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Carrier, Oklahoma
Carrier, in Garfield County, is a small unincorporated community situated in the interior eastern United States. Its semi-arid climate brings hot summers, variable winters, and exposure at the center of Tornado Alley, and in particular a globally significant tornado season that peaks in spring. These conditions collectively define the natural hazard environment that Carrier residents and property owners must navigate.
According to FEMA's National Risk Index, Carrier carries an overall risk score of 6.9/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to ice storm and hail.
Within Oklahoma, Carrier's risk is, slightly above the 6.4/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Garfield County identifies cold wave as the foremost hazard, followed by ice storm and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Carrier's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Carrier: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Carrier
These city-level factors differentiate Carrier from other communities in Garfield County and provide geographic context for its hazard exposure.
Population
152
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.9/10
Coordinates
36.4831Β° N, 98.0384Β° W
Garfield County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Carrier
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Carrier
Other cities in Oklahoma
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.