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Natural hazards · Duncan

Duncan, OK natural hazards

Most of the natural-hazard damage FEMA expects in Duncan comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 53 claims here since 1978. 16 federal disasters brought FEMA money into town.

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

How exposed is Duncan?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Duncan to be higher than in 51% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding28%Cold waves9%Hail9%Heat waves8%Strong wind7%Everything else8%
By hazard

What Duncan faces

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

Tornadoes

32% of expected damage
Well above average · higher than 97% of U.S. places

Inland flooding

28% of expected damage
Below average · higher than 33% of U.S. places
Recorded about once a year in the area

Cold waves

9% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Hail

9% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 12 times a year in the area

Heat waves

8% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 19 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Duncan flood?

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

53paid claims since 1978
$552Kpaid to owners
5homes flooded more than once
19782026

Biggest named events

  • Early summer storms: 3 claims, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Duncan 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

247storm safe rooms built
Disasters that hit Duncan

16 federal disasters brought FEMA money here

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

Brought FEMA money into DuncanDeclared for Stephens County only
2024

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

$98K to the City of Duncan for repairs
2023

Severe Storms, Straight-Line Winds, and Tornadoes

$49K to the City of Duncan for repairs
2021

Severe Winter Storms

100 households applied for aid $75K aid approved $493K to the City of Duncan for repairs
2020

Severe Winter Storm

$102K to the City of Duncan for repairs
2019

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

$201K to the City of Duncan for repairs
2016

Severe Storms and Flooding

$303K to the City of Duncan for repairs
2015

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

36 households applied for aid $41K aid approved $90K to the City of Duncan for repairs
2011

Severe Winter Storm and Snowstorm

$16K to the City of Duncan for repairs
2010

Severe Winter Storm

$621K to the City of Duncan for repairs
2009

Severe Winter Storm

$12K to the City of Duncan for repairs
2009

Wildfires

2 households applied for aid $30K aid approved
2007

Severe Winter Storms

$29K to the City of Duncan for repairs
2007

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $24K aid approved
2007

Severe Storms, Flooding, and Tornadoes

134 households applied for aid $188K aid approved $212K to the City of Duncan for repairs
2005

Extreme Wildfire Threat

82 households applied for aid $326K aid approved $32K to the City of Duncan for repairs
2000

Severe Winter Ice Storm

$121K to the City of Duncan for repairs
Stephens County has had 26 natural disasters declared since 1953, most often severe storms and ice storms.
Around Duncan

Duncan and the towns around it

Empire City: High, mostly inland floodingMarlow: High, mostly tornadoesBray: High, mostly tornadoesSunray: High, mostly inland floodingCentral High: Moderate, mostly tornadoesComanche: High, mostly inland floodingDuncan: Moderate, mostly tornadoes DuncanEmpire CityMarlowBray
Very lowLowModerateHighVery high
Empire Citymostly inland floodingHigh
Marlowmostly tornadoesHigh
Braymostly tornadoesHigh
Duncanmostly tornadoesModerate
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. Duncan covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Duncan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Duncan. 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 Duncan total about $8.1M 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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