Natural hazards · Temple

Temple, OK natural hazards

Most of the natural-hazard damage FEMA expects in Temple comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Temple?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temple to be higher than in 48% of U.S. communities, mostly from inland flooding and drought.

Inland flooding30%Drought26%Tornadoes14%Strong wind9%Everything else21%

By hazard

What Temple 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

Below average · higher than 41% of U.S. places

Recorded about once every 2 years in the area

Drought

26% of expected damage

Recorded about 88 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 4 years in the area

Strong wind

9% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Temple flood?

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

of all homes
are insured

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

Insurance rates: Cotton County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Temple

6 federal disasters brought FEMA money here

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

Brought FEMA money into TempleDeclared for Cotton County only

2021

Severe Winter Storms

4 households applied for aid $1K aid approved

2015

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

24 households applied for aid $31K aid approved $347K to the Town of Temple for repairs

2010

Severe Winter Storm

$37K to the Town of Temple for repairs

2007

Severe Storms, Flooding, and Tornadoes

25 households applied for aid $48K aid approved $5K to the Town of Temple for repairs

2005

Extreme Wildfire Threat

1 household applied for aid

2000

Severe Winter Ice Storm

$3K to the Town of Temple for repairs

Cotton County has had 29 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. Temple 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 Temple’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Temple. 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.