Natural hazards · Jay

Jay, OK natural hazards

Most of the natural-hazard damage FEMA expects in Jay comes from inland flooding, and overall the risk is high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Jay?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jay to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding42%Tornadoes15%Heat waves10%Cold waves8%Ice storms7%Strong wind6%Everything else12%

By hazard

What Jay faces

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

Inland flooding

42% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 7 years in the area

Heat waves

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 17 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 2 times a year in the area

Ice storms

7% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherEarthquakesLandslidesLightningDrought

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 Jay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

What’s been done with FEMA grants

44storm safe rooms built

Disasters that hit Jay

7 federal disasters brought FEMA money here

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

Brought FEMA money into JayDeclared for Delaware County only

2024

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

4 households applied for aid $6K aid approved

2019

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

49 households applied for aid $158K aid approved

2015

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

2 households applied for aid $3K aid approved

2011

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

48 households applied for aid $251K aid approved $6K to the City of Jay for repairs

2010

Severe Winter Storm

$3K to the City of Jay for repairs

2009

Severe Winter Storm

$6K to the City of Jay for repairs

2007

Severe Winter Storms

$120K to the City of Jay for repairs

Delaware County has had 26 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. Jay 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 Jay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Jay. 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.