Talihina’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Talihina comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 4 federal disasters brought FEMA money into town.
What stands out about Talihina’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Talihina flood? Rarely: 1 flood claim since 2015
Every paid claim on a federal flood insurance policy in Talihina, from FEMA’s records.
- The Early summer storms1 claim · $28K
Talihina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Le Flore County.How exposed is Talihina?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 87% of U.S. communities, mostly from inland flooding.
Rated higher than 758 of the 838 Oklahoma towns we cover.
Talihina is smaller than a census tract, so it shares the figures of the tract around its center.
What Talihina faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Wildfire
Tornadoes
Heat waves
4 federal disasters brought FEMA money to Talihina
Disasters that paid out in Talihina itself (aid to households or repair grants to the Town of Talihina) and its biggest flood years.
- 2021Severe Winter Storms2 households applied for aid$5K to the Town of Talihina for repairs
- 2015Severe Storms, Tornadoes, Straight-Line Winds, and Flooding22 households applied for aid$8K aid approved$82K to the Town of Talihina for repairs
- 2013Severe Storms, Tornadoes, and Flooding1 household applied for aid
- 2000Severe Winter Ice Storm$7K to the Town of Talihina for repairs
Le Flore County has had 27 natural disasters declared since 1953, most often severe storms and ice storms.
Old photos of Talihina after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Talihina archive →Get ready for what Talihina actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in April–May
The month each of Le Flore County’s 27 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Talihina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Talihina.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Talihina.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.