diff --git a/risk/account_risk_lib.py b/risk/account_risk_lib.py
index 74d3a62..05d6094 100644
--- a/risk/account_risk_lib.py
+++ b/risk/account_risk_lib.py
@@ -119,7 +119,15 @@ def _db_retry(action: Callable[[], T], *, retries: int = 8, base_delay: float =
 def ensure_account_risk_schema(conn) -> None:
     global _SCHEMA_READY
     if _SCHEMA_READY:
-        return
+        try:
+            row = conn.execute(
+                "SELECT to_regclass('public.account_risk_state') AS reg"
+            ).fetchone()
+            if row and row["reg"]:
+                return
+        except Exception:
+            pass
+        _SCHEMA_READY = False
     conn.execute(
         """CREATE TABLE IF NOT EXISTS account_risk_state (
             id INTEGER PRIMARY KEY CHECK (id = 1),