Schulter’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Schulter comes from inland flooding, and overall the risk is very high for a U.S. community. 8 federal disasters brought FEMA money into town.
What stands out about Schulter’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Schulter flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Schulter. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Schulter isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Okmulgee County.How exposed is Schulter?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 85% of U.S. communities, mostly from inland flooding.
Rated higher than 705 of the 838 Oklahoma towns we cover.
Schulter is smaller than a census tract, so it shares the figures of the tract around its center.
What Schulter faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Wildfire
Tornadoes
Heat waves
Ice storms
Cold waves
8 federal disasters brought FEMA money to Schulter
Disasters that paid out in Schulter itself (aid to households or repair grants to the Town of Schulter) and its biggest flood years.
- 2024Severe Storms, Straight-Line Winds, Tornadoes, and Flooding1 household applied for aid
- 2022Severe Storms, Tornadoes, and Flooding1 household applied for aid$7K aid approved
- 2021Severe Winter Storms2 households applied for aid$3K aid approved
- 2019Severe Storms, Straight-Line Winds, Tornadoes, and Flooding3 households applied for aid$8K aid approved
- 2015Severe Storms, Tornadoes, Straight-Line Winds, and Flooding2 households applied for aid$3K aid approved
- 2007Severe Storms, Tornadoes, and Flooding1 household applied for aid$2K aid approved
Show all 8
- 2007Severe Storms, Flooding, and Tornadoes2 households applied for aid$5K aid approved
- 2005Extreme Wildfire Threat1 household applied for aid
Okmulgee County has had 32 natural disasters declared since 1953, most often severe storms and tornadoes.
Old photos of Schulter after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Schulter archive →Get ready for what Schulter actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in April–May
The month each of Okmulgee County’s 32 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Schulter’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Schulter.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Schulter.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.