Natural hazards · Norman

Norman, AR natural hazards

Most of the natural-hazard damage FEMA expects in Norman comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1982. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Norman?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norman to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes10%Everything else21%

By hazard

What Norman faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

70% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 5 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Norman flood?

Every paid claim on a federal flood insurance policy in Norman, from FEMA’s records.

5paid claims since 1982

$85Kpaid to owners

0homes flooded more than once

19822026

of all homes
are insured

No community discount. Norman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.

Disasters that hit Norman

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Norman itself: aid to households, or repair grants to the Town of Norman.

Brought FEMA money into NormanDeclared for Montgomery County only

2017

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$33K to the Town of Norman for repairs

2011

Severe Storms, Tornadoes, and Associated Flooding

4 households applied for aid $2K aid approved

2000

Severe Winter Ice Storm

$51K to the Town of Norman for repairs

Montgomery County has had 19 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Norman is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Norman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Norman. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.