🌍 ClimateRiskCheck

Natural Disaster Risk in Lone Grove

Oklahoma

7.2out of 10
High Risk

Risk Summary for Lone Grove

Lone Grove scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Tornado Extreme Heat

All 18 Hazard Scores

Tornado
9.5
Hail
9.5
Extreme Heat
9.3
Ice Storm
9.3
Wildfire
9.0
Strong Wind
8.7
Drought
8.5
Winter Weather
7.3
Earthquake
6.9
Cold Wave
6.5
Landslide
6.4
Hurricane
6.2
Lightning
6.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Lone Grove
7.2
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: Lone Grove, Oklahoma

Lone Grove, in Carter County, is a town of roughly 3,380 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 Lone Grove residents and property owners must navigate.

According to FEMA's National Risk Index, Lone Grove carries an overall risk score of 7.2/10, 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 heat.

Within Oklahoma, Lone Grove'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 Carter County identifies hail as the foremost hazard, followed by tornado and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Lone Grove'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 Lone Grove: 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 Lone Grove

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

Population

3,380

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 34.2Β°

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

34.1626Β° N, 97.2908Β° W

Carter 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 Lone Grove

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lone Grove

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.