Natural hazards · Lake Aluma

Lake Aluma, OK natural hazards

Most of the natural-hazard damage FEMA expects in Lake Aluma comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Aluma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Aluma to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes21%Heat waves16%Hail12%Earthquakes5%Everything else10%

By hazard

What Lake Aluma faces

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

Inland flooding

36% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 97% of U.S. places

Heat waves

16% of expected damage

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

Recorded about 18 times a year in the area

Hail

12% of expected damage

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

Recorded about 11 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 65% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Lake Aluma flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oklahoma County.

Disasters that hit Lake Aluma

3 federal disasters brought FEMA money here

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

Brought FEMA money into Lake AlumaDeclared for Oklahoma County only

2013

Severe Storms, Tornadoes, and Flooding

$6K to the Town of Lake Aluma for repairs

2010

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

$7K to the Town of Lake Aluma for repairs

2007

Severe Winter Storms

$70K to the Town of Lake Aluma for repairs

Oklahoma County has had 42 natural disasters declared since 1953, most often severe storms and fires.

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. Lake Aluma 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 Lake Aluma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lake Aluma. 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.