Natural hazards · Red Oak

Red Oak, OK natural hazards

Most of the natural-hazard damage FEMA expects in Red Oak comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Red Oak?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Red Oak to be higher than in 88% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding47%Wildfire20%Tornadoes12%Heat waves7%Everything else14%

By hazard

What Red Oak 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 90% of U.S. places

Recorded about once a year in the area

Wildfire

20% of expected damage

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

Tornadoes

12% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 5 years in the area

Heat waves

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 24 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Red Oak flood?

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

of all homes
are insured

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

Insurance rates: Latimer County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Red Oak

3 federal disasters brought FEMA money here

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

Brought FEMA money into Red OakDeclared for Latimer County only

2021

Severe Winter Storms

$61K to the Town of Red Oak for repairs

2015

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

3 households applied for aid $4K aid approved

2000

Severe Winter Ice Storm

$39K to the Town of Red Oak for repairs

Latimer County has had 23 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. Red Oak 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 Red Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Red Oak. 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.