Natural hazards · Rocky Mountain

Rocky Mountain, OK natural hazards

Most of the natural-hazard damage FEMA expects in Rocky Mountain comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2011.

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

Expected damage

How exposed is Rocky Mountain?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rocky Mountain to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding52%Tornadoes12%Heat waves12%Wildfire10%Everything else15%

By hazard

What Rocky Mountain faces

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

Inland flooding

52% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 6 years in the area

Heat waves

12% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 13 times a year in the area

Wildfire

10% of expected damage

Well above average · higher than 97% of U.S. places

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 Rocky Mountain flood?

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

2paid claims since 2011

$90Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adair County.

Disasters that hit Rocky Mountain

Federal disasters declared here

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

Brought FEMA money into Rocky MountainDeclared for Adair County only

Adair County has had 23 natural disasters declared since 1953, most often severe storms and ice storms.

Around Rocky Mountain

Rocky Mountain and the towns around it

Very lowLowModerateHighVery high

Rocky Mountainmostly inland floodingVery high

Lyons Switchmostly inland floodingVery high

Tenkillermostly inland floodingModerate

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. Rocky Mountain covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rocky Mountain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Rocky Mountain. 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 Rocky Mountain total about $2.4M 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.