🌍 ClimateRiskCheck

Natural Disaster Risk in Miami

Oklahoma

7.0out of 10
High Risk

Risk Summary for Miami

Miami scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Drought Strong Wind

All 18 Hazard Scores

Ice Storm
9.9
Drought
9.8
Strong Wind
9.2
Extreme Heat
8.8
Landslide
8.0
Tornado
7.7
Winter Weather
7.3
Wildfire
6.9
Cold Wave
6.7
Earthquake
6.6
Hail
6.0
Lightning
5.9
Hurricane
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Miami
7.0
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: Miami, Oklahoma

Miami is a city of approximately 17,208 residents in Ottawa 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 Miami.

FEMA rates Miami's composite natural disaster risk at 7.0 out of 10 β€” high risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for drought and wind risk in their preparedness planning.

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

With a high natural disaster risk rating, Miami residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm 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 Miami: 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 Miami

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

Population

17,208

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.9/10

Coordinates

36.8896Β° N, 94.8810Β° W

Ottawa 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 Miami

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Miami

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.