Natural hazards · Lane

Lane, OK natural hazards

Most of the natural-hazard damage FEMA expects in Lane comes from inland flooding, and overall the risk is very high 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 Lane?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lane to be higher than in 81% of U.S. communities, mostly from inland flooding and hail.

Inland flooding25%Hail25%Tornadoes15%Heat waves10%Ice storms7%Cold waves7%Everything else12%

By hazard

What Lane faces

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

Inland flooding

25% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Hail

25% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 5 years in the area

Heat waves

10% of expected damage

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

Recorded about 21 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 once a year in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesWinter weatherEarthquakesLandslidesStrong 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 Lane flood?

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

of all homes
are insured

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

Insurance rates: Atoka County.

What’s been done with FEMA grants

33storm safe rooms built

Disasters that hit Lane

3 federal disasters brought FEMA money here

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

Brought FEMA money into LaneDeclared for Atoka County only

2015

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

14 households applied for aid $8K aid approved

2011

Severe Storms, Tornadoes, and Straight-Line Winds

3 households applied for aid

2007

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $3K aid approved

Atoka County has had 23 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. Lane 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 Lane’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lane. 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.

Lane, OK natural hazards

How exposed is Lane?

What Lane faces

Inland flooding

Hail

Tornadoes

Heat waves

Ice storms

Cold waves

Lower here

Not a risk here

Does Lane flood?

What’s been done with FEMA grants

3 federal disasters brought FEMA money here

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

Severe Storms, Tornadoes, and Straight-Line Winds

Severe Storms, Flooding, and Tornadoes

How to read this page

Where to, neighbor?

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