Natural hazards · Stilwell

Stilwell, OK natural hazards

Most of the natural-hazard damage FEMA expects in Stilwell comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stilwell?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stilwell to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes15%Heat waves15%Ice storms9%Wildfire7%Everything else14%

By hazard

What Stilwell faces

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

Inland flooding

41% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 68 years in the area

Heat waves

15% of expected damage

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

Recorded about 13 times a year in the area

Ice storms

9% of expected damage

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

Recorded about 2 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HurricanesHailWinter 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 Stilwell flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Stilwell 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.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Stilwell

5 federal disasters brought FEMA money here

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

Brought FEMA money into StilwellDeclared for Adair County only

2022

Severe Storms, Tornadoes, and Flooding

75 households applied for aid $259K aid approved

2015

Severe Winter Storms and Flooding

$271K to the City of Stilwell for repairs

2015

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

34 households applied for aid $26K aid approved $7K to the City of Stilwell for repairs

2009

Severe Winter Storm

$250K to the City of Stilwell for repairs

2000

Severe Winter Ice Storm

$30K to the City of Stilwell for repairs

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

Around Stilwell

Stilwell and the towns around it

Very lowLowModerateHighVery high

Mariettamostly inland floodingVery high

Fairfieldmostly inland floodingHigh

Stilwellmostly inland floodingModerate

Zionmostly 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. Stilwell covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stilwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stilwell. 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 Stilwell total about $2.2M 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.