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Natural hazards · Luther

Luther, OK natural hazards

Most of the natural-hazard damage FEMA expects in Luther comes from inland flooding, and overall the risk is moderate for a U.S. community. 13 federal disasters brought FEMA money into town.

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

How exposed is Luther?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luther to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes17%Heat waves17%Hail8%Cold waves5%Everything else12%
By hazard

What Luther faces

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

Inland flooding

41% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 15 years in the area

Heat waves

17% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 18 times a year in the area

Hail

8% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 11 times a year in the area

Cold waves

5% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Luther flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Luther isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oklahoma County.

What’s been done with FEMA grants

26storm safe rooms built
Disasters that hit Luther

13 federal disasters brought FEMA money here

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

Brought FEMA money into LutherDeclared for Oklahoma County only
2025

Wildfires and Straight-Line Winds

12 households applied for aid $206K aid approved
2021

Severe Winter Storms

6 households applied for aid $1K aid approved
2015

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

9 households applied for aid $5K aid approved
2013

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $95K aid approved $2K to the Town of Luther for repairs
2010

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

$4K to the Town of Luther for repairs
2010

Severe Storms, Tornadoes, and Straight-Line Winds

3 households applied for aid
2009

Wildfires

1 household applied for aid
2009

Severe Storms and Tornadoes

1 household applied for aid
2007

Severe Winter Storms

$35K to the Town of Luther for repairs
2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
2007

Severe Storms, Flooding, and Tornadoes

7 households applied for aid $14K aid approved
2005

Extreme Wildfire Threat

2 households applied for aid $8K aid approved
2003

Severe Storms and Tornadoes

12 households applied for aid $2K aid approved
Oklahoma County has had 42 natural disasters declared since 1953, most often severe storms and fires.
Around Luther

Luther and the towns around it

Oklahoma City: High, mostly inland floodingTuttle: High, mostly inland floodingMidwest City: Moderate, mostly inland floodingEdmond: Moderate, mostly inland floodingNewcastle: High, mostly tornadoesYukon: Moderate, mostly tornadoesDel City: High, mostly inland floodingJones: High, mostly inland floodingMoore: Moderate, mostly inland floodingChoctaw: High, mostly inland floodingSpencer: Moderate, mostly inland floodingUnion City: Moderate, mostly inland floodingNorman: High, mostly inland floodingLuther: Moderate, mostly inland flooding LutherOklahoma City
Very lowLowModerateHighVery high
Oklahoma Citymostly inland floodingHigh
Luthermostly inland floodingModerate
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. Luther covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Luther’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Luther. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Luther total about $1.1M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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