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Natural hazards · Earlsboro

Earlsboro, OK natural hazards

Most of the natural-hazard damage FEMA expects in Earlsboro comes from inland flooding, and overall the risk is very high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Earlsboro?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Earlsboro to be higher than in 80% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes29%Cold waves9%Heat waves7%Wildfire7%Hail5%Everything else13%
By hazard

What Earlsboro faces

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

Inland flooding

30% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once a year in the area

Tornadoes

29% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 15 years 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

Heat waves

7% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 19 times a year in the area

Wildfire

7% of expected damage
Well above average · higher than 97% of U.S. places

Hail

5% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 11 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 Earlsboro flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Earlsboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pottawatomie County.
Disasters that hit Earlsboro

7 federal disasters brought FEMA money here

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

Brought FEMA money into EarlsboroDeclared for Pottawatomie County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid
2022

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $69K aid approved
2015

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

14 households applied for aid $33K aid approved
2013

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2010

Severe Storms, Tornadoes, and Straight-Line Winds

83 households applied for aid $360K aid approved
2007

Severe Storms, Tornadoes and Flooding

4 households applied for aid $1K aid approved
2007

Severe Storms, Flooding, and Tornadoes

6 households applied for aid $2K aid approved
Pottawatomie County has had 34 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. Earlsboro 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 Earlsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Earlsboro. 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.

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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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