Natural hazards · Coalgate

Coalgate, OK natural hazards

Most of the natural-hazard damage FEMA expects in Coalgate comes from hail, and overall the risk is very high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coalgate?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coalgate to be higher than in 97% of U.S. communities, mostly from hail and inland flooding.

Hail44%Inland flooding17%Tornadoes14%Wildfire8%Everything else16%

By hazard

What Coalgate faces

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

Hail

44% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

17% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

8% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Coalgate flood?

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

of all homes
are insured

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

Insurance rates: Coal County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Coalgate

7 federal disasters brought FEMA money here

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

Brought FEMA money into CoalgateDeclared for Coal County only

2021

Severe Winter Storms

$14K to the City of Coalgate for repairs

2015

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

14 households applied for aid $5K aid approved

2013

Severe Storms, Tornadoes, and Flooding

$9K to the City of Coalgate for repairs

2009

Severe Storms and Tornadoes

$997 to the City of Coalgate for repairs

2007

Severe Winter Storms

$32K to the City of Coalgate for repairs

2007

Severe Storms, Flooding, and Tornadoes

6 households applied for aid $25K aid approved

2000

Severe Winter Ice Storm

$13K to the City of Coalgate for repairs

Coal County has had 22 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. Coalgate 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 Coalgate’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Coalgate. 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.

Coalgate, OK natural hazards

How exposed is Coalgate?

What Coalgate faces

Hail

Inland flooding

Tornadoes

Wildfire

Lower here

Not a risk here

Does Coalgate flood?

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

Severe Winter Storms

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

Severe Storms, Tornadoes, and Flooding

Severe Storms and Tornadoes

Severe Winter Storms

Severe Storms, Flooding, and Tornadoes

Severe Winter Ice Storm

How to read this page

Where to, neighbor?

Matches

Nearby