Natural hazards · Laverne

Laverne, OK natural hazards

Most of the natural-hazard damage FEMA expects in Laverne comes from drought, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Laverne?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laverne to be higher than in 91% of U.S. communities, mostly from drought and cold waves.

Drought42%Cold waves22%Ice storms13%Inland flooding6%Hail6%Everything else12%

By hazard

What Laverne faces

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

Drought

42% of expected damage

Recorded about 92 times a year in the area

Cold waves

22% of expected damage

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

Recorded about 3 times a year in the area

Ice storms

13% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 4 years in the area

Hail

6% of expected damage

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

Recorded about 9 times a year in the area

Lower here

HurricanesTornadoesWinter 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 Laverne flood?

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

of all homes
are insured

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

Insurance rates: Harper County.

Disasters that hit Laverne

2 federal disasters brought FEMA money here

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

Brought FEMA money into LaverneDeclared for Harper County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

$143K to the Town of Laverne for repairs

2017

Severe Winter Storm

$101K to the Town of Laverne for repairs

Harper County has had 16 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. Laverne 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 Laverne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Laverne. 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.