Natural hazards · Colbert

Colbert, OK natural hazards

Most of the natural-hazard damage FEMA expects in Colbert comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Colbert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Colbert to be higher than in 62% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes34%Inland flooding29%Heat waves11%Cold waves6%Hail5%Everything else15%

By hazard

What Colbert 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

Above average · higher than 54% of U.S. places

Recorded about once every 14 years in the area

Inland flooding

29% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Heat waves

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 21 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Hail

5% of expected damage

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

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Colbert flood?

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

1paid claims since 2015

$101Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early summer storms: 1 claim, $101K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bryan County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Colbert

4 federal disasters brought FEMA money here

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

Brought FEMA money into ColbertDeclared for Bryan County only

2015

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

24 households applied for aid $33K aid approved

2009

Severe Winter Storm

$4K to the Town of Colbert for repairs

2007

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $309 aid approved

2005

Extreme Wildfire Threat

6 households applied for aid $53K aid approved

Bryan County has had 19 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. Colbert covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Colbert’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Colbert. 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 Colbert total about $2.8M 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.