Stillwater, OK natural hazards
Most of the natural-hazard damage FEMA expects in Stillwater comes from cold waves, and overall the risk is high for a U.S. community. Flood insurance has paid 64 claims here since 1980. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Stillwater?
FEMA expects yearly storm and flood damage to homes and buildings in Stillwater to be higher than in 63% of U.S. communities, mostly from cold waves and inland flooding.
What Stillwater faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Cold waves
Inland flooding
Tornadoes
Hail
Lower here
Not a risk here
Does Stillwater flood?
Every paid claim on a federal flood insurance policy in Stillwater, from FEMA’s records.
Biggest named events
- Thunderstorms: 1 claim, $6K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Stillwater itself: aid to households, or repair grants to the City of Stillwater.
Wildfires and Straight-Line Winds
Severe Storms, Straight-Line Winds, and Tornadoes
Severe Winter Storms
Severe Winter Storm
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Winter Storm
Severe Storms, Flooding, and Tornadoes
Severe Winter Storms and Flooding
Extreme Wildfire Threat
Severe Ice Storm
Severe Winter Ice Storm
How to read this page
FEMA’s expected losses across Stillwater total about $28.5M 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.