Natural Disaster Risk in Mcloud
Oklahoma
Risk Summary for Mcloud
Mcloud scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
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: Mcloud, Oklahoma
Located in the interior eastern United States in Pottawatomie County, Mcloud is a city of approximately 11,489 residents. 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 Mcloud a community where hazard awareness has real practical value.
Mcloud's overall natural disaster risk is rated 7.6/10 (High) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include hail and ice storm.
Relative to other U.S. communities, Mcloud'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 tornado and hail, as measured by FEMA across Pottawatomie County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Mcloud'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 Mcloud: Tornado preparedness
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor β away from windows β as your shelter.
Local Factors for Mcloud
These city-level factors differentiate Mcloud from other communities in Pottawatomie County and provide geographic context for its hazard exposure.
Population
11,489
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.3/10
Coordinates
35.4265Β° N, 97.0807Β° W
Pottawatomie 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 Mcloud
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mcloud
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.