Natural Disaster Risk β ZIP Code 74054
Osage, Oklahoma
Risk Summary for ZIP 74054
ZIP 74054 scores 6.9/10 (High 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
π 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 74054, Oklahoma
ZIP 74054 in Osage sits in the interior eastern United States. Its semi-arid climate produces hot summers, variable winters, and exposure at the center of Tornado Alley, and notably a globally significant tornado season that peaks in spring. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 74054 carries an overall risk score of 6.9/10, placing it in the high category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to wildfire and heat.
Within Oklahoma, ZIP 74054's risk is, slightly above the 6.4/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Oklahoma identifies ice storm as the foremost hazard, followed by wildfire and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 74054 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 74054: Ice Storm preparedness
- 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.
- Keep walkways treated and avoid travel during freezing-rain events.
Risk for the surrounding area
Local Factors for ZIP 74054
These city-level factors differentiate ZIP 74054 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
859
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 9.5/10
Coordinates
36.2730Β° N, 96.3296Β° 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 74054
Last 12 months Β· 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 1β10 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.