Natural hazards · Ripley

Ripley, OK natural hazards

Most of the natural-hazard damage FEMA expects in Ripley comes from cold waves, 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 Ripley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ripley to be higher than in 62% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves34%Tornadoes23%Inland flooding19%Hail7%Everything else18%

By hazard

What Ripley faces

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

Cold waves

34% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

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

Recorded about once every 14 years in the area

Inland flooding

19% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 11 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 Ripley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Payne County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Ripley

4 federal disasters brought FEMA money here

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

Brought FEMA money into RipleyDeclared for Payne County only

2025

Wildfires and Straight-Line Winds

3 households applied for aid $58K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

$53K to the Town of Ripley for repairs

2019

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

1 household applied for aid $4K aid approved

2007

Severe Storms, Flooding, and Tornadoes

2 households applied for aid $14K aid approved

Payne County has had 31 natural disasters declared since 1953, most often severe storms and fires.

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. Ripley 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 Ripley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ripley. 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.