Natural hazards · McLoud

McLoud, OK natural hazards

Most of the natural-hazard damage FEMA expects in McLoud comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1993. 14 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is McLoud?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McLoud to be higher than in 68% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes35%Inland flooding26%Cold waves11%Heat waves9%Hail6%Everything else13%

By hazard

What McLoud faces

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

Tornadoes

35% of expected damage

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

Recorded about once every 34 years in the area

Inland flooding

26% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Heat waves

9% of expected damage

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

Recorded about 19 times a year in the area

Hail

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 11 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 McLoud flood?

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

2paid claims since 1993

$5Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Early summer storms: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pottawatomie County.

What’s been done with FEMA grants

68storm safe rooms built

Disasters that hit McLoud

14 federal disasters brought FEMA money here

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

Brought FEMA money into McLoudDeclared for Pottawatomie County only

2024

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

3 households applied for aid $6K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

27 households applied for aid $40K aid approved

2022

Severe Storms, Tornadoes, and Flooding

11 households applied for aid

2020

Severe Winter Storm

$65K to the City of McLoud for repairs

2019

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

7 households applied for aid

2015

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

118 households applied for aid $173K aid approved $178K to the City of McLoud for repairs

2013

Severe Storms, Tornadoes, and Flooding

110 households applied for aid $100K aid approved $4K to the City of McLoud for repairs

2010

Severe Storms, Tornadoes, and Straight-Line Winds

10 households applied for aid $47K aid approved

2009

Severe Winter Storm

$6K to the City of McLoud for repairs

2007

Severe Winter Storms

$51K to the City of McLoud for repairs

2007

Severe Storms, Tornadoes and Flooding

13 households applied for aid $17K aid approved $5K to the City of McLoud for repairs

2007

Severe Storms, Flooding, and Tornadoes

22 households applied for aid $24K aid approved

2005

Extreme Wildfire Threat

3 households applied for aid

2003

Severe Storms and Tornadoes

2 households applied for aid $3K aid approved

Pottawatomie County has had 34 natural disasters declared since 1953, most often severe storms and ice storms.

Around McLoud

McLoud and the towns around it

Very lowLowModerateHighVery high

McLoudmostly tornadoesHigh

Dalemostly tornadoesHigh

Oklahoma Citymostly inland floodingHigh

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. McLoud covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to McLoud’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of McLoud. 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 McLoud total about $2.8M 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.