Natural hazards · Cache

Cache, OK natural hazards

Most of the natural-hazard damage FEMA expects in Cache comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 61 claims here since 1982. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cache?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cache to be higher than in 83% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes15%Wildfire11%Cold waves11%Strong wind5%Everything else11%

By hazard

What Cache faces

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

Inland flooding

47% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 10 years in the area

Wildfire

11% of expected damage

Well above average · higher than 97% of U.S. places

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

Strong wind

5% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Cache flood?

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

61paid claims since 1982

$3.2Mpaid to owners

10homes flooded more than once

19822026

Biggest named events

Early summer storms: 22 claims, $2.4M
Thunderstorms: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Comanche County.

What’s been done with FEMA grants

16storm safe rooms built

Disasters that hit Cache

8 federal disasters brought FEMA money here

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

Brought FEMA money into CacheDeclared for Comanche County only

2021

Severe Winter Storms

8 households applied for aid $1K aid approved

2015

Severe Winter Storms and Flooding

$7K to the City of Cache for repairs

2015

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

90 households applied for aid $680K aid approved $23K to the City of Cache for repairs

2010

Severe Winter Storm

$15K to the City of Cache for repairs

2009

Severe Winter Storm

$7K to the City of Cache for repairs

2007

Severe Storms, Tornadoes and Flooding

1 household applied for aid $3K aid approved $6K to the City of Cache for repairs

2007

Severe Storms, Flooding, and Tornadoes

46 households applied for aid $133K aid approved $43K to the City of Cache for repairs

2000

Severe Winter Ice Storm

$3K to the City of Cache for repairs

Comanche County has had 28 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. Cache 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 Cache’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cache. 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.