Natural hazards · Phillips

Phillips, OK natural hazards

Most of the natural-hazard damage FEMA expects in Phillips comes from hail, 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 Phillips?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phillips to be higher than in 97% of U.S. communities, mostly from hail and inland flooding.

Hail44%Inland flooding17%Tornadoes14%Wildfire8%Everything else16%

By hazard

What Phillips faces

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

Hail

44% of expected damage

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

Recorded about 7 times a year in the area

Inland flooding

17% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

8% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Phillips flood?

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

of all homes
are insured

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

Insurance rates: Coal County.

Disasters that hit Phillips

Federal disasters declared here

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

Brought FEMA money into PhillipsDeclared for Coal County only

Coal County has had 22 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. Phillips 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 Phillips’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Phillips. 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.