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Natural hazards · Seminole

Seminole, OK natural hazards

Most of the natural-hazard damage FEMA expects in Seminole comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 26 claims here since 1979. 13 federal disasters brought FEMA money into town.

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

How exposed is Seminole?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seminole to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding26%Tornadoes20%Hail18%Heat waves12%Cold waves8%Everything else15%
By hazard

What Seminole faces

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

Inland flooding

26% of expected damage
Below average · higher than 36% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

20% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 69 years in the area

Hail

18% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 11 times a year in the area

Heat waves

12% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 20 times a year in the area

Cold waves

8% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Seminole flood?

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

26paid claims since 1979
$1.1Mpaid to owners
4homes flooded more than once
19792026

Biggest named events

  • Early summer storms: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Seminole isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Seminole County.

What’s been done with FEMA grants

23storm safe rooms built
Disasters that hit Seminole

13 federal disasters brought FEMA money here

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

Brought FEMA money into SeminoleDeclared for Seminole County only
2022

Severe Storms, Tornadoes, and Flooding

480 households applied for aid $1.1M aid approved
2021

Severe Winter Storms

$11K to the City of Seminole for repairs
2015

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

167 households applied for aid $218K aid approved $180K to the City of Seminole for repairs
2010

Severe Storms, Tornadoes, and Straight-Line Winds

124 households applied for aid $199K aid approved $35K to the City of Seminole for repairs
2010

Severe Winter Storm

$41K to the City of Seminole for repairs
2009

Severe Winter Storm

$21K to the City of Seminole for repairs
2008

Severe Storms, Tornadoes, and Flooding

$34K to the City of Seminole for repairs
2007

Severe Winter Storms

$22K to the City of Seminole for repairs
2007

Severe Storms, Tornadoes and Flooding

48 households applied for aid $61K aid approved $210K to the City of Seminole for repairs
2007

Severe Storms, Flooding, and Tornadoes

47 households applied for aid $40K aid approved $17K to the City of Seminole for repairs
2005

Extreme Wildfire Threat

91 households applied for aid $490K aid approved $6K to the City of Seminole for repairs
2003

Severe Storms and Tornadoes

3 households applied for aid $11K aid approved
2000

Severe Winter Ice Storm

$211K to the City of Seminole for repairs
Seminole County has had 24 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. Seminole covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Seminole’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Seminole. 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 Seminole total about $2.6M 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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