Natural hazards · Harrah

Harrah, OK natural hazards

Most of the natural-hazard damage FEMA expects in Harrah comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2013. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harrah?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrah to be higher than in 54% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding40%Heat waves19%Tornadoes19%Hail9%Cold waves6%Everything else8%

By hazard

What Harrah faces

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

Inland flooding

40% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Heat waves

19% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 18 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 83 years in the area

Hail

9% of expected damage

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

Recorded about 11 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 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 Harrah flood?

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

2paid claims since 2013

$7Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oklahoma County.

What’s been done with FEMA grants

78storm safe rooms built

Disasters that hit Harrah

12 federal disasters brought FEMA money here

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

Brought FEMA money into HarrahDeclared for Oklahoma County only

2025

Wildfires and Straight-Line Winds

4 households applied for aid $14K aid approved

2024

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

$63K to the City of Harrah for repairs

2021

Severe Winter Storms

18 households applied for aid $11K aid approved

2015

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

29 households applied for aid $29K aid approved

2013

Severe Storms, Tornadoes, and Flooding

54 households applied for aid $57K aid approved

2010

Severe Storms, Tornadoes, and Straight-Line Winds

62 households applied for aid $200K aid approved

2007

Severe Winter Storms

$105K to the City of Harrah for repairs

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2007

Severe Storms, Flooding, and Tornadoes

7 households applied for aid $5K aid approved $8K to the City of Harrah for repairs

2005

Extreme Wildfire Threat

1 household applied for aid

2003

Severe Storms and Tornadoes

1 household applied for aid

2000

Severe Winter Ice Storm

$13K to the City of Harrah for repairs

Oklahoma County has had 42 natural disasters declared since 1953, most often severe storms and fires.

Around Harrah

Harrah and the towns around it

Very lowLowModerateHighVery high

Oklahoma Citymostly inland floodingHigh

Choctawmostly inland floodingHigh

Harrahmostly 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. Harrah covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harrah’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Harrah. 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 Harrah total about $1.6M 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.