Natural hazards · Payne

Payne, KS natural hazards

Most of the natural-hazard damage FEMA expects in Payne comes from hail, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Payne?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Payne to be higher than in 46% of U.S. communities, mostly from hail and inland flooding.

Hail27%Inland flooding25%Drought21%Tornadoes11%Strong wind7%Cold waves5%Everything else4%

By hazard

What Payne faces

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

Hail

27% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Drought

21% of expected damage

Recorded about 70 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Payne flood?

FEMA's records show no paid flood insurance claims in Payne.

Disasters that hit Payne

Federal disasters declared here

None of the disasters declared for Gove County shows FEMA aid or repair money reaching Payne itself in FEMA’s records.

Brought FEMA money into PayneDeclared for Gove County only

Gove County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Payne

Payne and the towns around it

Very lowLowModerateHighVery high

Paynemostly hailModerate

Bakermostly hailModerate

Larrabeemostly hailModerate

Grainfieldmostly hailModerate

Govemostly hailModerate

Jeromemostly hailModerate

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. Payne 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 Payne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Payne. 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.