🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 73044

Guthrie, Oklahoma

6.8out of 10
High Risk

Risk Summary for ZIP 73044

ZIP 73044 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Cold Wave Tornado

All 18 Hazard Scores

Ice Storm
9.5
Tornado
9.4
Cold Wave
9.4
Hail
9.1
Extreme Heat
8.9
Drought
8.2
Wildfire
8.1
Winter Weather
7.1
Strong Wind
7.0
Landslide
6.5
Tsunami
5.4
Volcanic Activity
5.1
Earthquake
5.0
Coastal Flooding
4.9
Hurricane
4.7
Avalanche
4.5
Lightning
2.7
Riverine Flooding
1.0

How it compares

ZIP 73044
6.8
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: ZIP 73044, Oklahoma

ZIP 73044 covers part of the Guthrie area, in the interior eastern United States. The surrounding region 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 natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 73044's composite natural disaster risk at 6.8 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 cold wave and tornado risk in their preparedness planning.

ZIP 73044's risk score, near 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, the highest-scoring are ice storm, cold wave, and tornado. 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, ZIP 73044 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 ZIP 73044: 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.

Risk for the surrounding area

Local Factors for ZIP 73044

These city-level factors differentiate ZIP 73044 from other communities in Oklahoma County and provide geographic context for its hazard exposure.

Population

25,398

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.1/10

Coordinates

35.8666Β° N, 97.4348Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 73044

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Oklahoma

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.