riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Love County Disaster Risk

Love County, Oklahoma

FEMA Risk Rating

Very Low

National Percentile

21th

of 3,144 counties

State Rank

#71

of 77 (1 = highest risk)

Flood Risk

14th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 14% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 79% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively Low

Higher than 58% of US counties

Earthquake

Seismic activity and ground shaking risk

Very Low

Higher than 29% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 31% of US counties

Risk Overview

About Natural Disaster Risk in Love County, Oklahoma

Love County has very low disaster risk

With a composite risk score of 21.12, Love County ranks among the safest counties in the nation, earning a "Very Low" risk rating. This favorable profile offers meaningful protection compared to the typical U.S. county's exposure.

Safest county in Oklahoma

Love County's 21.12 score is less than 40% of Oklahoma's state average of 55.47, making it the state's lowest-risk county. The county's protection comes from consistently below-average scores across all major hazard types.

Dramatically safer than northern counties

Love County (21.12) faces a fraction of the risk in neighboring Lincoln County (71.31) and Logan County (74.68). Even compared to nearby Major County (34.19), Love County remains the safest jurisdiction in the region.

Wildfire risk is highest exposure

Wildfire risk scores 79.36—notably high relative to the county's other hazards—though overall risk remains very low. Tornado (58.17) and hurricane (30.96) risks are secondary concerns.

Standard coverage protects most homeowners

Love County's low overall risk means basic homeowner's insurance with standard fire and wind coverage typically provides sufficient protection. Still, verify your policy covers the full replacement value of your home and consider wildfire mitigation if you're in a wooded area.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Love County

Top Hazards by Exposure

  1. #1
    WildfirePrepare
    79th percentile
  2. #2
    TornadoPrepare
    58th percentile
  3. #3
    HurricanePrepare
    31th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Local Resources

Risk Advisory: Love County

Risk Verdict

Love County's overall natural disaster score at the 21th percentile puts it well below the national median for hazard exposure. A 21th percentile score positions Love County among the nation's lower-risk counties, a genuinely favorable outcome — one that simple, low-cost preparedness habits can reinforce further.

Hazard Breakdown

Wildfire risk is Love County's dominant natural hazard, ranked at the 79th percentile nationally under FEMA's National Risk Index. Tornado ranks second at the 58th percentile nationally. Additional tracked hazards include hurricane (31th percentile), earthquake (29th percentile), flood (14th percentile).

Preparedness Context

With wildfire ranked at the 79th percentile nationally, Love County is in a zone where air quality can deteriorate rapidly before structures are threatened. An N95 respirator and a HEPA air purifier are practical items for Love County households to have on hand before fire season. A secondary tornado exposure at the 58th percentile nationally means Love County residents face hazards from two distinct natural peril categories during different seasons. Defensible space, insurance review, and an evacuation plan are the three preparedness pillars for Love County households — and the insurance review is the one most often deferred by Love County residents and most costly to skip when a fire event actually occurs.

Regional Context

Love County's composite risk score sits 34.4 points below the Oklahoma county average, reflecting a more favorable hazard environment than the state typical.

Is your household prepared for Love County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Love County, OK?
Love County has a FEMA National Risk Index rating of Very Low, placing it in the 21th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Love County?
Love County is evaluated for five major natural hazard types: wildfire (79th percentile), tornado (58th percentile), hurricane (31th percentile), earthquake (29th percentile), flooding (14th percentile). The highest-risk hazard is wildfire at the 79th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Love County risk compare to the Oklahoma average?
Love County's composite risk percentile is 21th, compared to the Oklahoma state average of 56th percentile. The state's overall risk rating is Relatively Low. This means Love County faces lower natural disaster risk than the typical county in Oklahoma.
Is Love County at risk for wildfire?
Yes, Love County's wildfire risk is at the 79th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Love County is at the 14th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Love County a safe place to live?
Love County's composite risk score of 21th percentile is below the Oklahoma state average of 56th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is wildfire at the 79th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Jefferson County

Oklahoma

-0.2

Very Low

21th percentile

Roger Mills County

Oklahoma

+2.1

Very Low

23th percentile

Ellis County

Oklahoma

+3.7

Very Low

25th percentile

By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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