Natural hazards · Healdton

Healdton, OK natural hazards

Most of the natural-hazard damage FEMA expects in Healdton comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 21 claims here since 1982. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Healdton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Healdton to be higher than in 60% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes29%Inland flooding28%Heat waves10%Hail8%Drought7%Everything else19%

By hazard

What Healdton 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 · higher than 96% of U.S. places

Recorded about once every 50 years in the area

Inland flooding

28% of expected damage

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

Recorded about once a year in the area

Heat waves

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 20 times a year in the area

Hail

8% of expected damage

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

Recorded about 9 times a year in the area

Drought

7% of expected damage

Recorded about 39 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Healdton flood?

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

21paid claims since 1982

$609Kpaid to owners

4homes flooded more than once

19822026

Biggest named events

Tropical Storm Bill: 6 claims, $429K
Early summer storms: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carter County.

What’s been done with FEMA grants

85storm safe rooms built

Disasters that hit Healdton

9 federal disasters brought FEMA money here

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

Brought FEMA money into HealdtonDeclared for Carter County only

2024

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

8 households applied for aid $5K aid approved

2021

Severe Winter Storms

8 households applied for aid $1K aid approved

2015

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

59 households applied for aid $219K aid approved $216K to the City of Healdton for repairs

2010

Severe Storms, Tornadoes, and Straight-Line Winds

1 household applied for aid

2009

Wildfires

22 households applied for aid $166K aid approved

2005

Extreme Wildfire Threat

$7K to the City of Healdton for repairs

2003

Severe Storms and Tornadoes

9 households applied for aid $3K aid approved

2001

Severe Storms, Flooding, and Tornadoes

$4K to the City of Healdton for repairs

2000

Severe Winter Ice Storm

$104K to the City of Healdton for repairs

Carter County has had 28 natural disasters declared since 1953, most often severe storms and fires.

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. Healdton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Healdton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Healdton. 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 Healdton total about $1.7M 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.