Natural Disaster Risk in Oak Harbor
Washington
Risk Summary for Oak Harbor
Oak Harbor scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Oak Harbor, Washington
Oak Harbor, in Island County, is a city of approximately 40,917 residents situated in the Pacific Northwest. Its oceanic climate brings mild, rainy winters west of the Cascades and semi-arid conditions to the east, and in particular a critical wildfire period in eastern Washington each summer. These conditions collectively define the natural hazard environment that Oak Harbor residents and property owners must navigate.
Oak Harbor's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include tsunami and volcano.
Within Washington, Oak Harbor's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Island County identifies landslide as the foremost hazard, followed by tsunami and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Oak Harbor residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for Oak Harbor: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage β ask about specialized coverage.
Local Factors for Oak Harbor
These city-level factors differentiate Oak Harbor from other communities in Island County and provide geographic context for its hazard exposure.
Population
40,917
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Northern Continental
Latitude 48.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β summer fire risk
Fire score: 4.3/10
Coordinates
48.3169Β° N, 122.6315Β° W
Island 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 Oak Harbor
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oak Harbor
Other cities in Washington
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.