Natural Disaster Risk — ZIP Code 74578
Wilburton, Oklahoma
Risk Summary for ZIP 74578
ZIP 74578 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
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 74578, Oklahoma
Located in the interior eastern United States, ZIP 74578 serves the Wilburton 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 74578's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include ice storm and heat.
Relative to other U.S. communities, ZIP 74578'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 wildfire 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.
With a moderate risk rating, ZIP 74578 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.
What this means for ZIP 74578: Wildfire preparedness
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
Risk for the surrounding area
Local Factors for ZIP 74578
These city-level factors differentiate ZIP 74578 from other communities in Oklahoma County and provide geographic context for its hazard exposure.
Population
5,668
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.4/10
Coordinates
34.9004° N, 95.3487° 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 74578
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.