Natural hazards · Stuart

Stuart, OK natural hazards

Most of the natural-hazard damage FEMA expects in Stuart comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stuart?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stuart to be higher than in 88% of U.S. communities, mostly from inland flooding and hail.

Inland flooding25%Hail17%Tornadoes15%Cold waves10%Wildfire9%Drought8%Everything else16%

By hazard

What Stuart faces

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

Inland flooding

25% of expected damage

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

Recorded about once every 3 years in the area

Hail

17% of expected damage

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

Recorded about 7 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 4 years in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Wildfire

9% of expected damage

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

Drought

8% of expected damage

Recorded about 35 times a year in the area

Lower here

HurricanesWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Stuart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hughes County.

What’s been done with FEMA grants

12storm safe rooms built

Disasters that hit Stuart

3 federal disasters brought FEMA money here

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

Brought FEMA money into StuartDeclared for Hughes County only

2024

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

3 households applied for aid $2K aid approved

2021

Severe Winter Storms

2 households applied for aid $6K aid approved

2015

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

4 households applied for aid $2K aid approved

Hughes County has had 19 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. Stuart 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 Stuart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stuart. 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.