Natural hazards · Loco

Loco, OK natural hazards

Most of the natural-hazard damage FEMA expects in Loco comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Loco?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loco to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes19%Cold waves8%Wildfire7%Heat waves6%Drought6%Everything else15%

By hazard

What Loco faces

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

Inland flooding

40% of expected damage

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

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Wildfire

7% of expected damage

Well above average · higher than 96% of U.S. places

Heat waves

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 19 times a year in the area

Drought

6% of expected damage

Recorded about 65 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong 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 Loco flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stephens County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Loco

4 federal disasters brought FEMA money here

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

Brought FEMA money into LocoDeclared for Stephens County only

2021

Severe Winter Storms

2 households applied for aid

2015

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

2 households applied for aid $5K aid approved

2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid

2005

Extreme Wildfire Threat

14 households applied for aid $13K aid approved

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