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Natural hazards · Atoka

Atoka, OK natural hazards

Most of the natural-hazard damage FEMA expects in Atoka comes from hail, and overall the risk is very high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Atoka?

82
Very high
vs. U.S. communities

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

Hail30%Inland flooding28%Tornadoes12%Ice storms9%Heat waves6%Wildfire5%Everything else10%
By hazard

What Atoka faces

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

Hail

30% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Inland flooding

28% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 19 years in the area

Ice storms

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 2 times a year in the area

Heat waves

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 21 times a year in the area

Wildfire

5% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

HurricanesWinter weatherCold wavesEarthquakesLandslidesStrong 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 Atoka flood?

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

of all homes
are insured
No community discount. Atoka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Atoka County.

What’s been done with FEMA grants

272storm safe rooms built
1flood-prone properties bought out and cleared
Disasters that hit Atoka

8 federal disasters brought FEMA money here

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

Brought FEMA money into AtokaDeclared for Atoka County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

$15K to the City of Atoka for repairs
2015

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

165 households applied for aid $220K aid approved $76K to the City of Atoka for repairs
2013

Severe Storms, Tornadoes, and Flooding

$2K to the City of Atoka for repairs
2011

Severe Storms, Tornadoes, and Straight-Line Winds

526 households applied for aid $1.6M aid approved $6K to the City of Atoka for repairs
2007

Severe Winter Storms

$7K to the City of Atoka for repairs
2007

Severe Storms, Flooding, and Tornadoes

34 households applied for aid $35K aid approved $3K to the City of Atoka for repairs
2007

Severe Storms, Tornadoes and Flooding

$2K to the City of Atoka for repairs
2000

Severe Winter Ice Storm

$15K to the City of Atoka for repairs
Atoka County has had 23 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. Atoka 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 Atoka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Atoka. 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.

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