Tourist loyalty is vital for destination success, fostering repeat visits and positive word-of-mouth. This study explores the psychological and safety-related factors driving tourist loyalty to natural attractions in Oman, a rising destination known for its stability and safety. Using Social Cognitive Theory as a foundation, the research incorporates perceived risk and novelty seeking as key moderating variables. Data were collected via an online survey of 165 international tourists and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings show that attachment, satisfaction, and novelty seeking significantly affect both attitudinal and behavioral loyalty. While perceived value strongly influences behavioral loyalty, its impact on attitudinal loyalty appears more complex, suggesting possible unobserved mediators. Additionally, risk perception and novelty seeking moderate the link between destination familiarity and loyalty, underscoring the role of tourists’ internal evaluations of safety and desire for new experiences. This study advances the limited literature on tourist loyalty in developing countries by integrating psychological and risk-related dimensions. It offers actionable insights for tourism planners and marketers in Oman: emphasizing the country’s safety reputation, improving satisfaction levels, and crafting experiences that blend familiarity with novelty can enhance tourist loyalty and ensure sustained competitiveness in the global tourism market.