Natural hazards · Apache

Apache, OK natural hazards

Most of the natural-hazard damage FEMA expects in Apache comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 24 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Apache?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apache to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding46%Tornadoes14%Cold waves11%Drought8%Everything else22%

By hazard

What Apache faces

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

Inland flooding

46% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 7 years in the area

Cold waves

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Drought

8% of expected damage

Recorded about 56 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Apache flood?

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

24paid claims since 1979

$710Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Early summer storms: 4 claims, $139K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caddo County.

What’s been done with FEMA grants

44flood-prone properties bought out and cleared

8storm safe rooms built

4flood-prone homes bought out and moved

Disasters that hit Apache

8 federal disasters brought FEMA money here

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

Brought FEMA money into ApacheDeclared for Caddo County only

2024

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

1 household applied for aid $9K aid approved

2021

Severe Winter Storms

1 household applied for aid $10K aid approved

2015

Severe Winter Storms and Flooding

$6K to the Town of Apache for repairs

2015

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

16 households applied for aid $35K aid approved $35K to the Town of Apache for repairs

2010

Severe Winter Storm

$61K to the Town of Apache for repairs

2007

Severe Storms, Tornadoes and Flooding

24 households applied for aid $40K aid approved $19K to the Town of Apache for repairs

2007

Severe Storms, Flooding, and Tornadoes

7 households applied for aid $6K aid approved

2000

Severe Storms and Flooding

$44K to the Town of Apache for repairs

Caddo County has had 35 natural disasters declared since 1953, most often severe storms and ice storms.

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