Natural hazards · Mutual

Mutual, OK natural hazards

Most of the natural-hazard damage FEMA expects in Mutual comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Mutual?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mutual to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding31%Wildfire14%Drought14%Cold waves12%Tornadoes8%Heat waves7%Everything else14%

By hazard

What Mutual faces

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

Inland flooding

31% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Wildfire

14% of expected damage

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

Drought

14% of expected damage

Recorded about 98 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 2 years in the area

Heat waves

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherEarthquakesLandslidesStrong windLightning

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 Mutual flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodward County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Mutual

Federal disasters declared here

None of the disasters declared for Woodward County shows FEMA aid or repair money reaching Mutual itself in FEMA’s records.

Brought FEMA money into MutualDeclared for Woodward County only

Woodward County has had 27 natural disasters declared since 1953, most often fires and severe 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. Mutual 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 Mutual’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mutual. 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.