Natural hazards · Commerce

Commerce, OK natural hazards

Most of the natural-hazard damage FEMA expects in Commerce comes from inland flooding, and overall the risk is high for a U.S. community. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Commerce?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Commerce to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding38%Ice storms12%Drought12%Tornadoes11%Heat waves9%Strong wind9%Everything else10%

By hazard

What Commerce faces

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

Inland flooding

38% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Ice storms

12% of expected damage

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

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 17 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 94 years in the area

Heat waves

9% of expected damage

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

Recorded about 19 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Commerce flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ottawa County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Commerce

10 federal disasters brought FEMA money here

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

Brought FEMA money into CommerceDeclared for Ottawa County only

2024

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

2 households applied for aid $2K aid approved

2019

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

2 households applied for aid

2019

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

$26K to the City of Commerce for repairs

2011

Severe Winter Storm and Snowstorm

$6K to the City of Commerce for repairs

2010

Severe Winter Storm

$2K to the City of Commerce for repairs

2009

Severe Winter Storm

$3K to the City of Commerce for repairs

2008

Severe Storms and Flooding

$17K to the City of Commerce for repairs

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $46K to the City of Commerce for repairs

2007

Severe Winter Storms

$287K to the City of Commerce for repairs

2007

Severe Storms, Flooding, and Tornadoes

3 households applied for aid $2K aid approved

Ottawa County has had 26 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. Commerce 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 Commerce’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Commerce. 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.