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Natural hazards · Guthrie

Guthrie, OK natural hazards

Most of the natural-hazard damage FEMA expects in Guthrie comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 333 claims here since 1983. 16 federal disasters brought FEMA money into town.

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

How exposed is Guthrie?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guthrie to be higher than in 75% of U.S. communities, mostly from tornadoes and cold waves.

Tornadoes29%Cold waves27%Inland flooding23%Heat waves7%Hail6%Everything else10%
By hazard

What Guthrie faces

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

Tornadoes

29% of expected damage
Well above average · among the top 1% of U.S. places

Cold waves

27% of expected damage
Below average · higher than 37% of U.S. places
Recorded about 2 times a year in the area

Inland flooding

23% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once every 2 years in the area

Heat waves

7% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 19 times a year in the area

Hail

6% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 11 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Guthrie flood?

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

333paid claims since 1983
$3.7Mpaid to owners
36homes flooded more than once
19832026

Biggest named events

  • Thunderstorms: 9 claims, $225K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (17) ■ flooded 2+ times

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

What’s been done with FEMA grants

444storm safe rooms built
Disasters that hit Guthrie

16 federal disasters brought FEMA money here

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

Brought FEMA money into GuthrieDeclared for Logan County only
2025

Wildfires and Straight-Line Winds

74 households applied for aid $1.7M aid approved
2020

Severe Winter Storm

$388K to the City of Guthrie for repairs
2019

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

55 households applied for aid $49K aid approved $240K to the City of Guthrie for repairs
2015

Severe Winter Storms and Flooding

$98K to the City of Guthrie for repairs
2015

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

13 households applied for aid $4K aid approved $11K to the City of Guthrie for repairs
2011

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

51 households applied for aid $53K aid approved $296K to the City of Guthrie for repairs
2011

Severe Winter Storm and Snowstorm

$15K to the City of Guthrie for repairs
2010

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

$23K to the City of Guthrie for repairs
2009

Severe Winter Storm

$10K to the City of Guthrie for repairs
2009

Severe Storms and Tornadoes

35 households applied for aid $9K aid approved
2008

Severe Storms, Tornadoes, and Flooding

$120K to the City of Guthrie for repairs
2007

Severe Storms, Tornadoes and Flooding

$47K to the City of Guthrie for repairs
2007

Severe Storms, Flooding, and Tornadoes

39 households applied for aid $76K aid approved $20K to the City of Guthrie for repairs
2005

Extreme Wildfire Threat

13 households applied for aid $57K aid approved $7K to the City of Guthrie for repairs
2003

Severe Storms and Tornadoes

3 households applied for aid
1999

Ok, Tornadoes 5/3/99

$8K to the City of Guthrie for repairs
Logan County has had 37 natural disasters declared since 1953, most often severe storms and ice storms.
Around Guthrie

Guthrie and the towns around it

Cimarron City: Very high, mostly cold wavesEdmond: Moderate, mostly inland floodingCrescent Springs: Very high, mostly cold wavesOklahoma City: High, mostly inland floodingGuthrie: High, mostly tornadoes GuthrieCimarron CityEdmond
Very lowLowModerateHighVery high
Cimarron Citymostly cold wavesVery high
Guthriemostly tornadoesHigh
Edmondmostly 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. Guthrie covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Guthrie’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Guthrie. 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 Guthrie total about $6.8M 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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