Natural Disaster Risk — ZIP Code 74135
Tulsa, Oklahoma
Risk Summary for ZIP 74135
ZIP 74135 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 74135, Oklahoma
ZIP 74135 in Tulsa 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 74135 carries an overall risk score of 8.1/10, placing it in the very high category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to ice storm and hail.
Within Oklahoma, ZIP 74135's risk is, considerably 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 heat as the foremost hazard, followed by ice storm and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Given ZIP 74135's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.
What this means for ZIP 74135: Extreme Heat preparedness
- 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.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
Risk for the surrounding area
Local Factors for ZIP 74135
These city-level factors differentiate ZIP 74135 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
20,138
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.1°
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
36.0973° N, 95.9232° 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 74135
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.