Natural Disaster Risk in Foster
Oklahoma
Risk Summary for Foster
Foster 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: Foster, Oklahoma
Located in the interior eastern United States in Stephens County, Foster is a small community of about 574. The semi-arid climate that characterizes this part of Oklahoma β marked by hot summers, variable winters, and exposure at the center of Tornado Alley β directly influences the types and severity of natural hazards present, making Foster a community where hazard awareness has real practical value.
Foster's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include tornado and ice storm.
Relative to other U.S. communities, Foster's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.4/10 state average. The hazard distribution here is led by hail and tornado, as measured by FEMA across Stephens County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Foster 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 Foster: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- 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.
Local Factors for Foster
These city-level factors differentiate Foster from other communities in Stephens County and provide geographic context for its hazard exposure.
Population
574
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.6Β°
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
34.6208Β° N, 97.5829Β° 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 Foster
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Foster
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.