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Natural hazards · Midwest

Midwest, OK natural hazards

Most of the natural-hazard damage FEMA expects in Midwest comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 48 claims here since 1980. 17 federal disasters brought FEMA money into town.

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

How exposed is Midwest?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Midwest to be higher than in 58% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding42%Heat waves19%Tornadoes18%Hail8%Cold waves6%Everything else7%
By hazard

What Midwest faces

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

Inland flooding

42% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 3 times a year in the area

Heat waves

19% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 18 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 98% of U.S. places

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

6% 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 Midwest flood?

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

48paid claims since 1980
$2.2Mpaid to owners
7homes flooded more than once
19802026

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. Midwest 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

1,062storm safe rooms built
Disasters that hit Midwest

17 federal disasters brought FEMA money here

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

Brought FEMA money into MidwestDeclared for Oklahoma County only
2021

Severe Winter Storms

112 households applied for aid $88K aid approved
2020

Severe Winter Storm

$7.5M to the City of Midwest for repairs
2015

Severe Winter Storms and Flooding

$152K to the City of Midwest for repairs
2015

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

22 households applied for aid $50K aid approved $24K to the City of Midwest for repairs
2013

Severe Storms, Tornadoes, and Flooding

219 households applied for aid $352K aid approved $56K to the City of Midwest for repairs
2010

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

$76K to the City of Midwest for repairs
2010

Severe Storms, Tornadoes, and Straight-Line Winds

9 households applied for aid
2009

Wildfires

20 households applied for aid $28K aid approved
2007

Severe Winter Storms

$3.3M to the City of Midwest for repairs
2007

Severe Storms, Flooding, and Tornadoes

32 households applied for aid $95K aid approved $15K to the City of Midwest for repairs
2007

Severe Winter Storms and Flooding

$85K to the City of Midwest for repairs
2005

Extreme Wildfire Threat

$2K to the City of Midwest for repairs
2005

Hurricane Katrina Evacuation

$1K to the City of Midwest for repairs
2003

Severe Storms and Tornadoes

17 households applied for aid $1K aid approved $12K to the City of Midwest for repairs
2002

Severe Winter Ice Storm

$33K to the City of Midwest for repairs
2000

Severe Winter Ice Storm

$43K to the City of Midwest for repairs
1999

Ok, Tornadoes 5/3/99

$2.6M to the City of Midwest for repairs
Oklahoma County has had 42 natural disasters declared since 1953, most often severe storms and fires.
Around Midwest

Midwest and the towns around it

Oklahoma City: High, mostly inland floodingSpencer: Moderate, mostly inland floodingChoctaw: High, mostly inland floodingNicoma Park: Moderate, mostly inland floodingDel City: High, mostly inland floodingTuttle: High, mostly inland floodingEdmond: Moderate, mostly inland floodingNewcastle: High, mostly tornadoesYukon: Moderate, mostly tornadoesJones: High, mostly inland floodingMoore: Moderate, mostly inland floodingUnion City: Moderate, mostly inland floodingNorman: High, mostly inland floodingHarrah: Moderate, mostly inland floodingSmith Village: High, mostly inland floodingMidwest City: Moderate, mostly inland flooding Midwest CityOklahoma CitySpencerChoctawNicoma ParkDel City
Very lowLowModerateHighVery high
Del Citymostly inland floodingHigh
Oklahoma Citymostly inland floodingHigh
Choctawmostly inland floodingHigh
Spencermostly inland floodingModerate
Midwest Citymostly inland floodingModerate
Nicoma Parkmostly 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. Midwest covers 20 census tracts, combined by population.
Money that reached townFlood claims are matched to Midwest’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Midwest. 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 Midwest total about $19.0M 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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