Natural hazards · Lone Wolf

Lone Wolf, OK natural hazards

Most of the natural-hazard damage FEMA expects in Lone Wolf comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2013. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Wolf?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Wolf to be higher than in 78% of U.S. communities, mostly from inland flooding and drought.

Inland flooding29%Drought21%Tornadoes19%Heat waves7%Strong wind6%Cold waves6%Everything else12%

By hazard

What Lone Wolf faces

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

Inland flooding

29% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Drought

21% of expected damage

Recorded about 130 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 2 years in the area

Heat waves

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 11 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Lone Wolf flood?

Every paid claim on a federal flood insurance policy in Lone Wolf, from FEMA’s records.

1paid claims since 2013

$2Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kiowa County.

Disasters that hit Lone Wolf

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lone WolfDeclared for Kiowa County only

2015

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

6 households applied for aid

2010

Severe Winter Storm

$8K to the Town of Lone Wolf for repairs

2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $6K aid approved

2002

Severe Winter Ice Storm

$13K to the Town of Lone Wolf for repairs

Kiowa County has had 29 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. Lone Wolf 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 Lone Wolf’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lone Wolf. 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.