Lone Grove’s biggest natural hazard is tornadoes
Most of the natural-hazard damage FEMA expects in Lone Grove comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1981. 8 federal disasters brought FEMA money into town.
What stands out about Lone Grove’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Lone Grove flood? Sometimes: 13 flood claims since 1981
Every paid claim on a federal flood insurance policy in Lone Grove, from FEMA’s records.
- Tropical Storm Bill5 claims · $282K
Lone Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carter County.How exposed is Lone Grove?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 54% of U.S. communities, mostly from tornadoes and inland flooding.
Calmer than 765 of the 838 Oklahoma towns we cover.
Lone Grove is smaller than a census tract, so it shares the figures of the tract around its center.
What Lone Grove faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Tornadoes
Inland flooding
Heat waves
Hail
Strong wind
8 federal disasters brought FEMA money to Lone Grove
Disasters that paid out in Lone Grove itself (aid to households or repair grants to the City of Lone Grove) and its biggest flood years.
- 2024Severe Storms, Straight-Line Winds, Tornadoes, and Flooding17 households applied for aid$33K aid approved
- 2021Severe Winter Storms11 households applied for aid$5K aid approved
- 2015Severe Storms, Tornadoes, Straight-Line Winds, and Flooding40 households applied for aid$105K aid approved$27K to the City of Lone Grove for repairs5 flood claims paid that year
- 2010Severe Storms, Tornadoes, and Straight-Line Winds2 households applied for aid$7K aid approved
- 2009Severe Storms and Tornadoes136 households applied for aid$933K aid approved$427K to the City of Lone Grove for repairs
- 2003Severe Storms and Tornadoes56 households applied for aid$36K aid approved
Show all 8
- 2000Severe Winter Ice Storm$117K to the City of Lone Grove for repairs
- 2000Severe Storms and Flooding$50K to the City of Lone Grove for repairs
Carter County has had 28 natural disasters declared since 1953, most often severe storms and fires.
Old photos of Lone Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lone Grove archive →Get ready for what Lone Grove actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in April–May
The month each of Carter County’s 28 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Lone Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Grove.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Lone Grove.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.