Natural hazards · Ponca

Ponca, OK natural hazards

Most of the natural-hazard damage FEMA expects in Ponca comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 98 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Ponca?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ponca to be higher than in 55% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves29%Tornadoes28%Inland flooding24%Hail5%Everything else14%
By hazard

What Ponca faces

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

Cold waves

29% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

28% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

24% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 2 times a year in the area

Hail

5% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Ponca flood?

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

98paid claims since 1979
$854Kpaid to owners
10homes flooded more than once
19792026

Biggest named events

  • Thunderstorms: 4 claims, $22K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
🏷️ 25% off flood insurance. Ponca is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Kay County.

What’s been done with FEMA grants

550storm safe rooms built
12flood-prone properties bought out and cleared
Disasters that hit Ponca

11 federal disasters brought FEMA money here

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

Brought FEMA money into PoncaDeclared for Kay County only
2024

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

64 households applied for aid $88K aid approved
2021

Severe Winter Storms

7 households applied for aid $7K aid approved
2020

Severe Winter Storm

$1.2M to the City of Ponca for repairs
2019

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

147 households applied for aid $177K aid approved $343K to the City of Ponca for repairs
2012

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

$148K to the City of Ponca for repairs
2007

Severe Winter Storms

$104K to the City of Ponca for repairs
2007

Severe Storms, Flooding, and Tornadoes

16 households applied for aid $11K aid approved $179K to the City of Ponca for repairs
2005

Extreme Wildfire Threat

$4K to the City of Ponca for repairs
2003

Severe Storms and Tornadoes

9 households applied for aid $24K aid approved
2002

Severe Winter Ice Storm

$897K to the City of Ponca for repairs
2000

Severe Winter Ice Storm

$177K to the City of Ponca for repairs
Kay County has had 31 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. Ponca covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Ponca’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ponca. 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 Ponca total about $14.8M 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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