Natural Disaster Risk in Elk City
Oklahoma
Risk Summary for Elk City
Elk City scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Elk City, Oklahoma
Elk City is a city of approximately 14,043 residents in Beckham County, in the interior eastern United States. The area experiences hot summers, variable winters, and exposure at the center of Tornado Alley, with a globally significant tornado season that peaks in spring shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Elk City.
FEMA rates Elk City's composite natural disaster risk at 6.8 out of 10 — high risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for drought and wildfire risk in their preparedness planning.
Elk City's risk score, near the 6.4/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Beckham County, the highest-scoring are ice storm, drought, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Elk City'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 Elk City: Ice Storm preparedness
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
Local Factors for Elk City
These city-level factors differentiate Elk City from other communities in Beckham County and provide geographic context for its hazard exposure.
Population
14,043
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.2/10
Coordinates
35.4033° N, 99.4272° W
Beckham 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 Elk City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Elk City
Other cities in Oklahoma
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.