🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 74849

Konawa, Oklahoma

6.8out of 10
High Risk

Risk Summary for ZIP 74849

ZIP 74849 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Wildfire Ice Storm

All 18 Hazard Scores

Hail
9.5
Wildfire
9.2
Ice Storm
9.0
Extreme Heat
8.9
Tornado
8.1
Drought
7.3
Winter Weather
7.3
Cold Wave
6.8
Landslide
6.7
Strong Wind
6.2
Earthquake
5.8
Hurricane
5.6
Lightning
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 74849
6.8
Oklahoma avg.
6.4
US national avg.
4.5

Live Conditions

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🏠 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 74849, Oklahoma

ZIP 74849 in Konawa 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 74849 carries an overall risk score of 6.8/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wildfire and ice storm.

Within Oklahoma, ZIP 74849's risk is, near 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 hail as the foremost hazard, followed by wildfire and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 74849 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 74849: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Risk for the surrounding area

Local Factors for ZIP 74849

These city-level factors differentiate ZIP 74849 from other communities in Oklahoma County and provide geographic context for its hazard exposure.

Population

2,727

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

34.9846Β° N, 96.7360Β° 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 74849

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.