Natural Disaster Risk in North Miami
Oklahoma
Risk Summary for North Miami
North Miami scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: North Miami, Oklahoma
North Miami, in Ottawa County, is a small unincorporated community 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 North Miami residents and property owners must navigate.
According to FEMA's National Risk Index, North Miami carries an overall risk score of 7.0/10, placing it in the high category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to drought and wind.
Within Oklahoma, North Miami'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 Ottawa County identifies ice storm as the foremost hazard, followed by drought and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, North 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 North Miami: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Local Factors for North Miami
These city-level factors differentiate North Miami from other communities in Ottawa County and provide geographic context for its hazard exposure.
Population
222
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.9/10
Coordinates
36.9180° N, 94.8805° 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 North Miami
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in North 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.