Natural hazards · Lima

Lima, OK natural hazards

Most of the natural-hazard damage FEMA expects in Lima comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lima?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lima to be higher than in 79% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding28%Tornadoes17%Heat waves13%Hail12%Wildfire11%Cold waves8%Everything else12%

By hazard

What Lima faces

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

Inland flooding

28% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 7 years in the area

Heat waves

13% of expected damage

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

Recorded about 20 times a year in the area

Hail

12% of expected damage

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

Recorded about 9 times a year in the area

Wildfire

11% of expected damage

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

Cold waves

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong windLightningDrought

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 Lima flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Seminole County.

Disasters that hit Lima

1 federal disaster brought FEMA money here

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

Brought FEMA money into LimaDeclared for Seminole County only

2007

Severe Storms, Tornadoes and Flooding

$39K to the Town of Lima for repairs

Seminole County has had 24 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. Lima 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 Lima’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lima. 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.