Natural Disaster Risk — ZIP Code 73840
Fargo, Oklahoma
Risk Summary for ZIP 73840
ZIP 73840 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: ZIP 73840, Oklahoma
Located in the interior eastern United States, ZIP 73840 serves the Fargo 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 73840's overall natural disaster risk is rated 5.5/10 (Moderate) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include drought and wildfire.
Relative to other U.S. communities, ZIP 73840's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.4/10 state average. The hazard distribution here is led by ice storm and drought, as measured by FEMA across Oklahoma. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 73840's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that ice storm exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 73840: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Risk for the surrounding area
Local Factors for ZIP 73840
These city-level factors differentiate ZIP 73840 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
509
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.7/10
Coordinates
36.3944° N, 99.6458° 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 73840
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.