How Can Landlords Prepare For Natural Disasters in Oklahoma?

Managing rental properties comes with a set of responsibilities that intensify when natural disasters are considered. For landlords in Oklahoma, the threats posed by Mother Nature, ranging from tornadoes and severe storms to floods and wildfires, are all too familiar. The rising frequency of these events leaves property owners increasingly vulnerable to financial and operational challenges.

According to Carrie Suns, the Community Relations and Oklahoma Medical Reserve Corpa Coordinator, “Oklahoma actually is the number one per capita of federally declared disasters.”
However, being proactive rather than reactive can make all the difference, not just in protecting your assets but also in safeguarding the lives of your tenants. Preparation extends beyond physical property security; it’s also about ensuring tenant safety, maintaining income streams, and fulfilling legal obligations.

This guide will walk you through vital steps landlords in Oklahoma can take to prepare for natural disasters. From understanding your legal and insurance responsibilities to implementing practical strategies for enhancing property resilience, these actionable tips will help ensure that both your investment and your renters are ready for the unexpected.

Understanding Oklahoma’s Natural Disasters and Their Impact

Oklahoma’s location in Tornado Alley makes it especially vulnerable to weather emergencies.

According to the Augurisk, Oklahoma has a moderate natural disaster risk score of 43.42%. In the past 20 years, it has declared more than 45 disasters, primarily associated with 31.8% of severe storm incidents (1% of Snowstorms, 41% of Hailstorms, and 58% of Tornadoes). Additionally, it has a 12.05% wildfire risk score.

By 2100, the average summer temperature is projected to increase by 2 degrees Fahrenheit. As per Oklahoma State Department of Health reports, there were 141 heat-related deaths in the state from 2013 to 2022.

Here are the most common natural disasters landlords in this state may face, along with their potential impact on rental properties:

1. Tornadoes

• Frequency: Oklahoma ranks among the top states in tornado occurrences, particularly in the spring months of April and May, averaging about 60 tornadoes per year. From 1980 to 2024, Oklahoma has experienced numerous tornado events, with many classified as strong (F2 or greater). The state has a long history of destructive tornadoes, with some causing significant damage and loss of life.
• Impact on Properties: Tornadoes can cause structural damage, including roof destruction, window breakage, and even full property collapse in severe cases.

2. Severe Thunderstorms

• Frequency: A common occurrence, particularly during spring and summer months, usually leads to flash flooding and property damage. The state has recorded numerous severe storm events, contributing to its overall disaster statistics.
• Impact on Properties: High winds, large hail, heavy rainfall, and lightning can damage roofing, HVAC systems, and vehicles parked on the property.

3. Flooding

• Frequency: Flash floods often occur following heavy rainfall, especially in low-lying areas near large bodies of water. Oklahoma has experienced several flooding events that have led to property damage and displacement of residents. There have been 6 flooding events recorded, with losses exceeding $1 billion each.
• Impact on Properties: Water damage can destroy flooring and drywall, while mold becomes a long-term issue if properties aren’t properly restored.

4. Wildfires

• Frequency: Periodic, typically during Oklahoma’s dry, hot seasons. The state has seen several wildfire events that have caused destruction to homes and natural landscapes.
• Impact on Properties: Fires can destroy entire properties and create hazardous air quality conditions for tenants.

5. Drought

• Frequency: The state has experienced multiple drought events over the years, affecting crop yields and water availability. From 1980 to 2024, 18 drought events were recorded in Oklahoma
• Impact on Properties: Drought conditions significantly impact agriculture and water supply.

Summary of Natural Disasters in Oklahoma (1980–2024)

Here are the stats on natural disaster events that affected Oklahoma from 1980 – 2024, as per the National Centers for Environmental Information.

Disaster Types	Number of Events	Percentage of Total Events
Severe Storms	76	66.1%
Drought	18	15.7%
Flooding	6	5.2%
Wildfire	6	5.2%
Winter Storm	7	6.1%
Total Events	115	100%

Keeping these risks in mind will help you better assess potential vulnerabilities and take measures to mitigate damage.

Legal and Insurance Considerations for Landlords

Natural disasters can create complex legal and financial challenges for landlords if they are not adequately prepared. Here’s what to keep in mind:

Landlord Responsibilities

Each state has its own landlord-tenant laws regarding natural disasters and recovery. Here are some of the key reasons you need to be mindful of:

1. Tenant Evacuations: You may be required to inform tenants of evacuation orders and assist in facilitating their safety.
2. Property Habitability: Oklahoma law requires landlords to maintain a safe and habitable property. While natural disasters are often beyond your control, failing to repair post-disaster damage promptly or ignoring safety upgrades could lead to legal liability. Be sure to stay updated with statewide and local housing codes to ensure compliance.

Secure Adequate Insurance

The right insurance coverage can protect both you and your tenants from devastating financial losses. Here are the key policies you should have:

• Landlord Insurance – Covers damage to rental property structures, liability protection, and potential loss of rental income during repairs.
• Flood Insurance – Standard landlord insurance often excludes flood damage. If your property is in or near a flood-prone area, a National Flood Insurance Program (NFIP) policy is essential.
• Business Interruption Insurance – Provides coverage for lost rental income if your property becomes uninhabitable due to disaster-related damage.

Partner with an insurance agent who understands the unique needs of property owners in Oklahoma to ensure adequate coverage.

Require Tenant Renter’s Insurance

While landlord insurance won’t cover tenant belongings, renter’s insurance can protect your tenants’ possessions from losses and give them peace of mind. Include this requirement in your lease agreements wherever possible.

Practical Steps to Prepare Your Rental Properties

Preparation is key to mitigating damage and maintaining tenant safety. Here are actionable steps tailored for Oklahoma landlords:

1. Conduct Regular Property Inspections

Schedule inspections at least twice a year to check for vulnerabilities such as weak roofing, cracks in foundations, or drainage issues. Address these concerns immediately to reduce risks.

2. Storm-Proof Your Properties

Install impact-resistant windows and doors to withstand high winds and flying debris.
Reinforce roofs with hurricane straps or clips for added stability during tornadoes or storms.

3. Elevate and Secure Electrical Systems

For properties in flood-prone areas, elevate electrical outlets and HVAC systems above-expected flood levels. This will not only reduce damage but also ensure tenant safety during disasters.

4. Create Defensible Space Against Wildfires

Remove dry vegetation, debris, and other flammable materials from around the property. Adding fire-resistant plants, stone pathways, or gravel can further decrease fire risks.

5. Invest in Emergency Supplies

Equip each rental unit with a basic emergency kit that includes flashlights, batteries, first-aid supplies, and a printed list of relevant emergency contact numbers. Encourage tenants to create their own personal kits as well.

6. Implement Smart Home Technology

Sensors, cameras, and remote monitoring systems can provide advanced warnings for disasters like flooding or fire, giving tenants and landlords alike the crucial time needed to act.

Communication and Tenant Safety Planning

Although fully prepared to mitigate the disaster, it is equally crucial to ensure that tenants are informed and ready. Here’s how to foster effective communication and enhance tenant safety planning:

1. Share Emergency Plans

Provide tenants with a detailed emergency plan covering evacuation routes, nearest shelters, and whom to contact in case of an emergency. Make these resources accessible through printed materials as well as digital channels.

2. Establish a Tenant Communication System

Set up a system for quickly reaching tenants during emergencies. This can include group text messaging apps, automated email updates, or a private online portal.

3. Conduct Disaster Drills

If feasible, organize emergency preparedness drills for tenants to help them act calmly and confidently during a real emergency.

By taking these steps, you’ll ensure tenants feel safer and more confident in renting from you.

Resources and Tools for Enhanced Preparedness

Here are some tools and local resources to assist you in preparing your rental properties for natural disasters:
FEMA’s Emergency Preparation Plans: Comprehensive guides for landlords and renters.

• Oklahoma Emergency Management (OEM): Offers localized advice and disaster recovery resources.
• Insurance Institute for Business & Home Safety (IBHS): Provides property protection tips for specific disaster scenarios.
• Alert Systems: Sign up for local warnings through services like NOAA Weather Alerts and CodeRED.

Taking advantage of these resources will strengthen your disaster readiness and provide peace of mind for you and your tenants.

Post-Disaster Recovery

We all recognize that natural disasters are beyond our control. However, once they strike, it’s essential to engage in post-disaster recovery to restore stability. It involves a series of essential steps aimed at restoring normalcy and rebuilding:

Immediate Steps to Take

Once the disaster has passed, act decisively:

1. Assess Property Damage: Inspect the property for structural damage, utility issues, and water intrusion.
2. Communicate with Tenants: Ensure their safety and confirm whether they’ve experienced any damage or losses.
3. File Insurance Claims: Contact your insurance provider immediately to begin the claims process.

Rebuilding and Restoring Properties

Efficient recovery is key to minimizing financial losses. Work with trusted contractors to repair your property promptly. Be transparent with tenants about the expected timeline for repairs to maintain trust.

Proactive Steps Pay Off

Natural disasters are unpredictable, but your response doesn’t have to be. By taking proactive steps, such as understanding state-specific risks, securing adequate insurance, prioritizing property upgrades, fostering strong tenant relationships, creating a disaster preparedness plan, and leveraging local resources, you can minimize risks and protect both your property and your tenants.

So, don’t wait until it’s too late. Act now to secure your investment and provide peace of mind for your tenants. Start by evaluating your current preparedness efforts and implementing the practical steps outlined in this guide today.