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Natural hazards · Choctaw

Choctaw, OK natural hazards

Most of the natural-hazard damage FEMA expects in Choctaw comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 19 claims here since 1989. 18 federal disasters brought FEMA money into town.

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

How exposed is Choctaw?

60
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Choctaw to be higher than in 60% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes18%Heat waves17%Hail9%Everything else12%
By hazard

What Choctaw faces

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

Inland flooding

45% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 98% of U.S. places

Heat waves

17% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 18 times a year in the area

Hail

9% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 11 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Choctaw flood?

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

19paid claims since 1989
$535Kpaid to owners
1homes flooded more than once
19892026

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. Choctaw isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oklahoma County.

What’s been done with FEMA grants

239storm safe rooms built
Disasters that hit Choctaw

18 federal disasters brought FEMA money here

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

Brought FEMA money into ChoctawDeclared for Oklahoma County only
2025

Wildfires and Straight-Line Winds

2 households applied for aid $1K aid approved
2024

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

$146K to the City of Choctaw for repairs
2021

Severe Winter Storms

48 households applied for aid $15K aid approved
2020

Severe Winter Storm

$382K to the City of Choctaw for repairs
2015

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

108 households applied for aid $64K aid approved $48K to the City of Choctaw for repairs
2013

Severe Storms, Tornadoes, and Flooding

124 households applied for aid $102K aid approved $51K to the City of Choctaw for repairs
2010

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

$20K to the City of Choctaw for repairs
2010

Severe Storms, Tornadoes, and Straight-Line Winds

105 households applied for aid $158K aid approved
2009

Wildfires

53 households applied for aid $196K aid approved
2009

Severe Storms and Tornadoes

1 household applied for aid
2007

Severe Winter Storms

$1.0M to the City of Choctaw for repairs
2007

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $1K aid approved
2007

Severe Storms, Flooding, and Tornadoes

23 households applied for aid $38K aid approved
2007

Severe Winter Storms and Flooding

$10K to the City of Choctaw for repairs
2005

Extreme Wildfire Threat

8 households applied for aid $19K aid approved $4K to the City of Choctaw for repairs
2003

Severe Storms and Tornadoes

116 households applied for aid $45K aid approved $101K to the City of Choctaw for repairs
2000

Severe Winter Ice Storm

$3K to the City of Choctaw for repairs
1999

Ok, Tornadoes 5/3/99

$41K to the City of Choctaw for repairs
Oklahoma County has had 42 natural disasters declared since 1953, most often severe storms and fires.
Around Choctaw

Choctaw and the towns around it

Oklahoma City: High, mostly inland floodingMidwest City: Moderate, mostly inland floodingJones: High, mostly inland floodingNicoma Park: Moderate, mostly inland floodingHarrah: Moderate, mostly inland floodingTuttle: High, mostly inland floodingEdmond: Moderate, mostly inland floodingNewcastle: High, mostly tornadoesYukon: Moderate, mostly tornadoesDel City: High, mostly inland floodingMoore: Moderate, mostly inland floodingSpencer: Moderate, mostly inland floodingUnion City: Moderate, mostly inland floodingNorman: High, mostly inland floodingChoctaw: High, mostly inland flooding ChoctawOklahoma CityMidwest CityJonesNicoma ParkHarrah
Very lowLowModerateHighVery high
Oklahoma Citymostly inland floodingHigh
Jonesmostly inland floodingHigh
Choctawmostly inland floodingHigh
Midwest Citymostly inland floodingModerate
Harrahmostly inland floodingModerate
Nicoma Parkmostly inland floodingModerate
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. Choctaw covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Choctaw’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Choctaw. 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 Choctaw total about $3.3M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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