Natural hazards · Hardesty

Hardesty, OK natural hazards

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

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

Expected damage

How exposed is Hardesty?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardesty to be higher than in 36% of U.S. communities, mostly from drought and cold waves.

Drought42%Cold waves35%Inland flooding8%Everything else15%

By hazard

What Hardesty faces

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

Drought

42% of expected damage

Recorded about 141 times a year in the area

Cold waves

35% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

8% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Hardesty flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Texas County.

Disasters that hit Hardesty

Federal disasters declared here

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

Brought FEMA money into HardestyDeclared for Texas County only

Texas County has had 17 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. Hardesty 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 Hardesty’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hardesty. 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.