Natural hazards · Hulbert

Hulbert, OK natural hazards

Most of the natural-hazard damage FEMA expects in Hulbert comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hulbert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hulbert to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes13%Heat waves13%Wildfire9%Everything else15%

By hazard

What Hulbert faces

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

Inland flooding

51% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 10 years in the area

Heat waves

13% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 18 times a year in the area

Wildfire

9% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hulbert flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cherokee County.

What’s been done with FEMA grants

10storm safe rooms built

Disasters that hit Hulbert

5 federal disasters brought FEMA money here

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

Brought FEMA money into HulbertDeclared for Cherokee County only

2022

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $4K aid approved

2021

Severe Winter Storms

15 households applied for aid $248 aid approved

2019

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

18 households applied for aid $6K aid approved

2015

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

2 households applied for aid

2003

Severe Storms and Tornadoes

2 households applied for aid

Cherokee County has had 21 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. Hulbert 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 Hulbert’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hulbert. 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.