Natural Disaster Risk — ZIP Code 74116
Tulsa, Oklahoma
Risk Summary for ZIP 74116
ZIP 74116 scores 8.1/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
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 74116, Oklahoma
Located in the interior eastern United States, ZIP 74116 serves the Tulsa 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 74116's overall natural disaster risk is rated 8.1/10 (Very High) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include ice storm and hail.
Relative to other U.S. communities, ZIP 74116'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 heat and ice storm, 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 74116 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including heat. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for ZIP 74116: Extreme Heat preparedness
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
Risk for the surrounding area
Local Factors for ZIP 74116
These city-level factors differentiate ZIP 74116 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
3,617
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.2/10
Coordinates
36.1881° N, 95.8362° 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 74116
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.