Natural hazards · Central High

Central High, OK natural hazards

Most of the natural-hazard damage FEMA expects in Central High comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1987.

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

Expected damage

How exposed is Central High?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Central High to be higher than in 56% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes34%Inland flooding20%Cold waves9%Heat waves8%Strong wind8%Hail7%Everything else14%

By hazard

What Central High faces

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

Tornadoes

34% of expected damage

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

Recorded about once every 14 years in the area

Inland flooding

20% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once a year in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Heat waves

8% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 19 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Hail

7% of expected damage

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

Recorded about 12 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Central High flood?

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

4paid claims since 1987

$89Kpaid to owners

0homes flooded more than once

19872026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stephens County.

Disasters that hit Central High

Federal disasters declared here

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

Brought FEMA money into Central HighDeclared for Stephens County only

Stephens County has had 26 natural disasters declared since 1953, most often severe storms and ice storms.

Around Central High

Central High and the towns around it

Very lowLowModerateHighVery high

Empire Citymostly inland floodingHigh

Central Highmostly tornadoesModerate

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. Central High covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Central High’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Central High. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Central High total about $2.2M a year, counting buildings, people and crops.

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.