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Natural hazards · Inola

Inola, OK natural hazards

Most of the natural-hazard damage FEMA expects in Inola comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1993. 10 federal disasters brought FEMA money into town.

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

How exposed is Inola?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Inola to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding47%Heat waves14%Tornadoes10%Cold waves9%Drought7%Ice storms6%Everything else8%
By hazard

What Inola faces

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

Inland flooding

47% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 2 times a year in the area

Heat waves

14% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 25 times a year in the area

Tornadoes

10% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once every 28 years in the area

Cold waves

9% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 2 times a year in the area

Drought

7% of expected damage
Recorded about 21 times a year in the area

Ice storms

6% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesStrong 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 Inola flood?

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

29paid claims since 1993
$580Kpaid to owners
5homes flooded more than once
19932026

Biggest named events

  • Thunderstorms: 4 claims, $109K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Inola isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rogers County.

What’s been done with FEMA grants

21storm safe rooms built
Disasters that hit Inola

10 federal disasters brought FEMA money here

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

Brought FEMA money into InolaDeclared for Rogers County only
2024

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

2 households applied for aid $423 aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

$48K to the Town of Inola for repairs
2021

Severe Winter Storms

1 household applied for aid $6K aid approved
2019

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

25 households applied for aid $82K aid approved
2015

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

5 households applied for aid
2011

Severe Winter Storm and Snowstorm

$5K to the Town of Inola for repairs
2007

Severe Winter Storms

$50K to the Town of Inola for repairs
2007

Severe Storms, Flooding, and Tornadoes

46 households applied for aid $96K aid approved $39K to the Town of Inola for repairs
2005

Extreme Wildfire Threat

$2K to the Town of Inola for repairs
2000

Severe Winter Ice Storm

$40K to the Town of Inola for repairs
Rogers County has had 24 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. Inola covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Inola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Inola. 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 Inola 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.

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