Natural hazards · Fairfield

Fairfield, OK natural hazards

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

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

Expected damage

How exposed is Fairfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairfield to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding43%Heat waves14%Wildfire14%Tornadoes13%Everything else16%

By hazard

What Fairfield faces

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

Inland flooding

43% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 3 times a year in the area

Heat waves

14% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 13 times a year in the area

Wildfire

14% of expected damage

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

Tornadoes

13% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Fairfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adair County.

Disasters that hit Fairfield

Federal disasters declared here

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

Brought FEMA money into FairfieldDeclared for Adair County only

Adair County has had 23 natural disasters declared since 1953, most often severe storms and ice storms.

Around Fairfield

Fairfield and the towns around it

Very lowLowModerateHighVery high

Fairfieldmostly inland floodingHigh

Stilwellmostly inland floodingModerate

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