🌍 ClimateRiskCheck

Natural Disaster Risk in Oak Harbor

Washington

5.7out of 10
Moderate Risk

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

Landslide Tsunami Volcanic Activity

All 18 Hazard Scores

Landslide
10.0
Tsunami
9.9
Volcanic Activity
9.9
Earthquake
9.7
Coastal Flooding
9.6
Avalanche
8.2
Ice Storm
8.0
Cold Wave
5.4
Winter Weather
5.2
Wildfire
4.3
Extreme Heat
3.9
Lightning
3.4
Hurricane
2.4
Tornado
2.2
Drought
1.7
Hail
1.5
Strong Wind
1.4
Riverine Flooding
1.0

How it compares

Oak Harbor
5.7
Washington avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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

Suburban

Geographic 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

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ZIP Codes in Oak Harbor

Other cities in Washington

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.