Natural Disaster Risk in Duncan
Oklahoma
Risk Summary for Duncan
Duncan scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
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: Duncan, Oklahoma
Duncan, in Stephens County, is a city of approximately 27,618 residents 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 Duncan residents and property owners must navigate.
According to FEMA's National Risk Index, Duncan carries an overall risk score of 6.9/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to tornado and ice storm.
Within Oklahoma, Duncan'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 Stephens County identifies hail as the foremost hazard, followed by tornado and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Duncan residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Duncan: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Duncan
These city-level factors differentiate Duncan from other communities in Stephens County and provide geographic context for its hazard exposure.
Population
27,618
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.0/10
Coordinates
34.4948Β° N, 97.8477Β° W
Stephens 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 Duncan
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Duncan
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.