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Natural hazards · Okay

Okay, OK natural hazards

Most of the natural-hazard damage FEMA expects in Okay comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Okay?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Okay to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding47%Heat waves13%Ice storms10%Tornadoes7%Cold waves7%Hail6%Everything else11%
By hazard

What Okay faces

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

Inland flooding

47% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Heat waves

13% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 26 times a year in the area

Ice storms

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Tornadoes

7% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once every 15 years in the area

Cold waves

7% of expected damage
Above average · higher than 55% of U.S. places
Recorded about once a year in the area

Hail

6% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 9 times a year in the area

Lower here

HurricanesWinter 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 Okay flood?

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

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

What’s been done with FEMA grants

4storm safe rooms built
Disasters that hit Okay

4 federal disasters brought FEMA money here

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

Brought FEMA money into OkayDeclared for Wagoner County only
2021

Severe Winter Storms

1 household applied for aid
2019

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

13 households applied for aid $33K aid approved
2007

Severe Winter Storms

$14K to the Town of Okay for repairs
2000

Severe Winter Ice Storm

$6K to the Town of Okay for repairs
Wagoner County has had 26 natural disasters declared since 1953, most often floods 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. Okay 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 Okay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Okay. 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.

The coffee’s on

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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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