Natural Disaster Risk — ZIP Code 73102
Oklahoma City, Oklahoma
Risk Summary for ZIP 73102
ZIP 73102 scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 73102, Oklahoma
Located in the interior eastern United States, ZIP 73102 serves the Oklahoma City community. The semi-arid climate of this part of Oklahoma — bringing hot summers, variable winters, and exposure at the center of Tornado Alley — directly shapes the hazard exposure for properties in this postal area.
ZIP 73102's overall natural disaster risk is rated 8.0/10 (Very High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include heat and ice storm.
Relative to other U.S. communities, ZIP 73102's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 6.4/10 state average. The hazard distribution here is led by hail and heat, as measured by FEMA across Oklahoma. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
The very high risk environment in ZIP 73102 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including hail. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for ZIP 73102: Hail preparedness
- 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.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Risk for the surrounding area
Local Factors for ZIP 73102
These city-level factors differentiate ZIP 73102 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
3,812
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.0/10
Coordinates
35.4706° N, 97.5191° 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 73102
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.