Natural hazards · Stratford

Stratford, OK natural hazards

Most of the natural-hazard damage FEMA expects in Stratford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2017. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stratford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stratford to be higher than in 79% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes25%Wildfire9%Heat waves7%Hail6%Strong wind6%Everything else17%

By hazard

What Stratford faces

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

Inland flooding

30% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 8 years in the area

Wildfire

9% of expected damage

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

Heat waves

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 19 times a year in the area

Hail

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 10 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Stratford flood?

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

1paid claims since 2017

$3Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Garvin County.

What’s been done with FEMA grants

8storm safe rooms built

Disasters that hit Stratford

7 federal disasters brought FEMA money here

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

Brought FEMA money into StratfordDeclared for Garvin County only

2015

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

8 households applied for aid $4K aid approved

2010

Severe Storms, Tornadoes, and Straight-Line Winds

1 household applied for aid $648 aid approved

2010

Severe Winter Storm

$10K to the Town of Stratford for repairs

2007

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $5K aid approved $750 to the Town of Stratford for repairs

2005

Extreme Wildfire Threat

3 households applied for aid $11K aid approved

2003

Severe Storms and Tornadoes

2 households applied for aid $950 aid approved

2000

Severe Winter Ice Storm

$19K to the Town of Stratford for repairs

Garvin County has had 25 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. Stratford is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Stratford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stratford. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.