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Natural hazards · Marlow

Marlow, OK natural hazards

Most of the natural-hazard damage FEMA expects in Marlow comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1992. 11 federal disasters brought FEMA money into town.

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

How exposed is Marlow?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marlow to be higher than in 61% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes29%Inland flooding25%Cold waves8%Hail8%Wildfire7%Drought7%Everything else18%
By hazard

What Marlow faces

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

Tornadoes

29% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

25% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once a year 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

Hail

8% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 12 times a year in the area

Wildfire

7% of expected damage
Well above average · higher than 96% of U.S. places

Drought

7% of expected damage
Recorded about 47 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesLightning

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 Marlow flood?

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

4paid claims since 1992
$90Kpaid to owners
1homes flooded more than once
19922026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Marlow 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

125storm safe rooms built
Disasters that hit Marlow

11 federal disasters brought FEMA money here

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

Brought FEMA money into MarlowDeclared for Stephens County only
2021

Severe Winter Storms

10 households applied for aid
2020

Severe Winter Storm

$50K to the City of Marlow for repairs
2016

Severe Storms and Flooding

$109K to the City of Marlow for repairs
2015

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

13 households applied for aid $3K aid approved $24K to the City of Marlow for repairs
2010

Severe Winter Storm

$439K to the City of Marlow for repairs
2009

Severe Winter Storm

$5K to the City of Marlow for repairs
2007

Severe Winter Storms

$7K to the City of Marlow for repairs
2007

Severe Storms, Tornadoes, and Flooding

7 households applied for aid
2007

Severe Storms, Flooding, and Tornadoes

13 households applied for aid $23K aid approved $25K to the City of Marlow for repairs
2005

Extreme Wildfire Threat

17 households applied for aid $52K aid approved $5K to the City of Marlow for repairs
2000

Severe Winter Ice Storm

$16K to the City of Marlow for repairs
Stephens County has had 26 natural disasters declared since 1953, most often severe storms and ice storms.
Around Marlow

Marlow and the towns around it

Duncan: Moderate, mostly tornadoesEmpire City: High, mostly inland floodingBray: High, mostly tornadoesMarlow: High, mostly tornadoes MarlowDuncan
Very lowLowModerateHighVery high
Marlowmostly tornadoesHigh
Duncanmostly tornadoesModerate
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. Marlow 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 Marlow’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Marlow. 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.

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