Natural hazards · Hobart

Hobart, OK natural hazards

Most of the natural-hazard damage FEMA expects in Hobart comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2004. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hobart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hobart to be higher than in 55% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding16%Strong wind10%Heat waves10%Drought8%Hail7%Everything else16%

By hazard

What Hobart faces

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

Tornadoes

32% of expected damage

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

Recorded about once every 7 years in the area

Inland flooding

16% of expected damage

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

Recorded about once a year in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

10% of expected damage

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

Recorded about 11 times a year in the area

Drought

8% of expected damage

Recorded about 103 times a year in the area

Hail

7% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesLightning

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 Hobart flood?

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

5paid claims since 2004

$87Kpaid to owners

1homes flooded more than once

20042026

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. Hobart isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kiowa County.

What’s been done with FEMA grants

29storm safe rooms built

Disasters that hit Hobart

7 federal disasters brought FEMA money here

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

Brought FEMA money into HobartDeclared for Kiowa County only

2021

Severe Winter Storms

$105K to the City of Hobart for repairs

2015

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

23 households applied for aid $26K aid approved $30K to the City of Hobart for repairs

2010

Severe Winter Storm

$136K to the City of Hobart for repairs

2008

Severe Storms and Flooding

$750 to the City of Hobart for repairs

2007

Severe Storms, Tornadoes and Flooding

1 household applied for aid $188 to the City of Hobart for repairs

2007

Severe Storms, Flooding, and Tornadoes

82 households applied for aid $245K aid approved

2002

Severe Winter Ice Storm

$156K to the City of Hobart for repairs

Kiowa County has had 29 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. Hobart 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 Hobart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hobart. 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.