Natural hazards · Baker

Baker, OK natural hazards

Most of the natural-hazard damage FEMA expects in Baker comes from drought, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Baker?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baker to be higher than in 25% of U.S. communities, mostly from drought and cold waves.

Drought61%Cold waves20%Tornadoes6%Inland flooding5%Everything else8%

By hazard

What Baker faces

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

Drought

61% of expected damage

Recorded about 126 times a year in the area

Cold waves

20% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

5% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 2 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Baker flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Texas County.

Disasters that hit Baker

Federal disasters declared here

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

Brought FEMA money into BakerDeclared for Texas County only

Texas County has had 17 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. Baker 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 Baker’s own flood-insurance community; household aid to the registrant’s city; repair grants to Baker. 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.