Natural hazards · Isabella

Isabella, OK natural hazards

Most of the natural-hazard damage FEMA expects in Isabella comes from cold waves, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Isabella?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Isabella to be higher than in 90% of U.S. communities, mostly from cold waves and hail.

Cold waves23%Hail19%Drought19%Inland flooding14%Ice storms10%Tornadoes7%Everything else8%

By hazard

What Isabella faces

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

Cold waves

23% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 3 times a year in the area

Hail

19% of expected damage

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

Recorded about 8 times a year in the area

Drought

19% of expected damage

Recorded about 88 times a year in the area

Inland flooding

14% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Ice storms

10% of expected damage

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

Recorded about once a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesWinter weatherHeat 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 Isabella flood?

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

of all homes
are insured

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

Insurance rates: Major County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Isabella

Federal disasters declared here

None of the disasters declared for Major County shows FEMA aid or repair money reaching Isabella itself in FEMA’s records.

Brought FEMA money into IsabellaDeclared for Major County only

Major County has had 28 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. Isabella 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 Isabella’s own flood-insurance community; household aid to the registrant’s city; repair grants to Isabella. 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.