🌍 ClimateRiskCheck

Natural Disaster Risk in Tatums

Oklahoma

7.2out of 10
High Risk

Risk Summary for Tatums

Tatums 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

Tatums
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: Tatums, Oklahoma

Tatums is a small unincorporated community in Carter 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 Tatums.

FEMA rates Tatums's composite natural disaster risk at 7.2 out of 10 β€” high risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for tornado and heat risk in their preparedness planning.

Tatums'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 Carter County, the highest-scoring are hail, tornado, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Tatums'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 Tatums: Hail preparedness

  • 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.
  • Document roof and property condition annually to streamline any future hail claims.

Local Factors for Tatums

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

Population

178

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 34.5Β°

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

34.4733Β° N, 97.4428Β° 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 Tatums

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Tatums

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.