🌍 ClimateRiskCheck

Natural Disaster Risk in Foster

Oklahoma

6.9out of 10
High Risk

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

Hail Tornado Ice Storm

All 18 Hazard Scores

Hail
9.3
Tornado
9.1
Wildfire
9.0
Ice Storm
9.0
Strong Wind
8.7
Extreme Heat
8.5
Drought
7.8
Cold Wave
7.4
Winter Weather
6.8
Earthquake
6.7
Hurricane
5.4
Tsunami
5.4
Landslide
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.5
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Foster
6.9
Oklahoma avg.
6.4
US national avg.
4.5

Live Conditions

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🏠 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

Rural

Geographic 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

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ZIP Codes in Foster

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.