Natural hazards · Comanche

Comanche, OK natural hazards

Most of the natural-hazard damage FEMA expects in Comanche comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1987. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Comanche?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Comanche to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes19%Cold waves8%Wildfire7%Heat waves6%Drought6%Everything else15%

By hazard

What Comanche faces

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

Inland flooding

40% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Wildfire

7% of expected damage

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

Heat waves

6% of expected damage

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

Recorded about 19 times a year in the area

Drought

6% of expected damage

Recorded about 65 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong windLightning

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 Comanche flood?

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

9paid claims since 1987

$108Kpaid to owners

1homes flooded more than once

19872026

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. Comanche 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.

What’s been done with FEMA grants

65storm safe rooms built

Disasters that hit Comanche

12 federal disasters brought FEMA money here

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

Brought FEMA money into ComancheDeclared for Stephens County only

2024

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

$114K to the City of Comanche for repairs

2021

Severe Winter Storms

19 households applied for aid $8K aid approved $17K to the City of Comanche for repairs

2015

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

12 households applied for aid $6K aid approved $13K to the City of Comanche for repairs

2011

Severe Winter Storm and Snowstorm

$3K to the City of Comanche for repairs

2010

Severe Winter Storm

$58K to the City of Comanche for repairs

2009

Wildfires

1 household applied for aid $10K aid approved

2007

Severe Winter Storms

$8K to the City of Comanche for repairs

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $59K to the City of Comanche for repairs

2007

Severe Storms, Flooding, and Tornadoes

8 households applied for aid $10K aid approved $1K to the City of Comanche for repairs

2005

Extreme Wildfire Threat

3 households applied for aid

2001

Severe Storms, Flooding, and Tornadoes

$4K to the City of Comanche for repairs

2000

Severe Winter Ice Storm

$23K to the City of Comanche for repairs

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

Around Comanche

Comanche and the towns around it

Very lowLowModerateHighVery high

Comanchemostly inland floodingHigh

Sunraymostly inland floodingHigh

Empire Citymostly inland floodingHigh

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