Natural hazards · Durham

Durham, OK natural hazards

Most of the natural-hazard damage FEMA expects in Durham comes from drought, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Durham?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Durham to be higher than in 85% of U.S. communities, mostly from drought and inland flooding.

Drought30%Inland flooding17%Wildfire15%Tornadoes10%Strong wind10%Cold waves8%Everything else10%

By hazard

What Durham faces

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

Drought

30% of expected damage

Recorded about 98 times a year in the area

Inland flooding

17% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 3 years in the area

Wildfire

15% of expected damage

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

Tornadoes

10% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Strong wind

10% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightning

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 Durham flood?

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

of all homes
are insured

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

Insurance rates: Roger Mills County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Durham

Federal disasters declared here

None of the disasters declared for Roger Mills County shows FEMA aid or repair money reaching Durham itself in FEMA’s records.

Brought FEMA money into DurhamDeclared for Roger Mills County only

Roger Mills County has had 27 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. Durham 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 Durham’s own flood-insurance community; household aid to the registrant’s city; repair grants to Durham. 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.