🌍 ClimateRiskCheck

Natural Disaster Risk in Fay

Oklahoma

5.8out of 10
Moderate Risk

Risk Summary for Fay

Fay scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Hail Drought

All 18 Hazard Scores

Ice Storm
9.5
Hail
9.3
Drought
8.5
Strong Wind
7.0
Wildfire
6.8
Tornado
5.8
Cold Wave
5.8
Tsunami
5.4
Volcanic Activity
5.1
Landslide
5.0
Extreme Heat
4.9
Coastal Flooding
4.9
Hurricane
4.8
Earthquake
4.6
Winter Weather
4.6
Avalanche
4.5
Lightning
1.6
Riverine Flooding
1.0

How it compares

Fay
5.8
Oklahoma avg.
6.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Fay, Oklahoma

Fay is a small unincorporated community in Blaine 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 Fay.

According to FEMA's National Risk Index, Fay carries an overall risk score of 5.8/10, placing it in the moderate category. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. The area also faces notable exposure to hail and drought.

Fay's risk score, slightly below the 6.4/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Blaine County, the highest-scoring are ice storm, hail, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Fay residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.

What this means for Fay: 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 Fay

These city-level factors differentiate Fay from other communities in Blaine County and provide geographic context for its hazard exposure.

Population

400

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

35.8262Β° N, 98.6193Β° W

Blaine 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 Fay

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Fay

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.