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Natural hazards · Muskogee

Muskogee, OK natural hazards

Most of the natural-hazard damage FEMA expects in Muskogee comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 151 claims here since 1982. 17 federal disasters brought FEMA money into town.

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

How exposed is Muskogee?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Muskogee to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes18%Heat waves13%Ice storms9%Hail8%Cold waves6%Everything else12%
By hazard

What Muskogee faces

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

Inland flooding

33% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

18% of expected damage
Above average · higher than 59% of U.S. places

Heat waves

13% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 26 times a year in the area

Ice storms

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 2 times a year in the area

Hail

8% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 9 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 55% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesWinter weatherWildfireLandslidesStrong 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 Muskogee flood?

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

151paid claims since 1982
$5.4Mpaid to owners
15homes flooded more than once
19822026

Biggest named events

  • Early winter storms: 12 claims, $419K
  • Thunderstorms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (8) ■ flooded 2+ times

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

What’s been done with FEMA grants

91storm safe rooms built
47flood-prone properties bought out and cleared
Disasters that hit Muskogee

17 federal disasters brought FEMA money here

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

Brought FEMA money into MuskogeeDeclared for Muskogee County only
2024

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

54 households applied for aid $220K aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

$165K to the City of Muskogee for repairs
2022

Severe Storms, Tornadoes, and Flooding

376 households applied for aid $1.1M aid approved
2021

Severe Winter Storms

59 households applied for aid $36K aid approved
2019

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

136 households applied for aid $528K aid approved $3.3M to the City of Muskogee for repairs
2017

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

$10K to the City of Muskogee for repairs
2017

Severe Storms, Tornadoes, and Flooding

$43K to the City of Muskogee for repairs
2015

Severe Winter Storms and Flooding

$117K to the City of Muskogee for repairs
2015

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

$138K to the City of Muskogee for repairs
2010

Severe Winter Storm

$16K to the City of Muskogee for repairs
2009

Severe Winter Storm

$60K to the City of Muskogee for repairs
2007

Severe Winter Storms

$5.3M to the City of Muskogee for repairs
2007

Severe Storms, Flooding, and Tornadoes

48 households applied for aid $107K aid approved
2005

Extreme Wildfire Threat

17 households applied for aid $27K aid approved $3K to the City of Muskogee for repairs
2005

Hurricane Katrina Evacuation

$77K to the City of Muskogee for repairs
2003

Severe Storms and Tornadoes

26 households applied for aid $33K aid approved $106K to the City of Muskogee for repairs
2000

Severe Winter Ice Storm

$68K to the City of Muskogee for repairs
Muskogee County has had 26 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. Muskogee covers 10 census tracts, combined by population.
Money that reached townFlood claims are matched to Muskogee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Muskogee. 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 Muskogee total about $15.2M 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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