Natural hazards · Terlton

Terlton, OK natural hazards

Most of the natural-hazard damage FEMA expects in Terlton comes from cold waves, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Terlton?

High

vs. U.S. communities

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

Cold waves24%Tornadoes21%Inland flooding18%Wildfire11%Heat waves8%Ice storms8%Everything else10%

By hazard

What Terlton faces

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

Cold waves

24% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

18% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Wildfire

11% of expected damage

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

Heat waves

8% of expected damage

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

Recorded about 24 times a year in the area

Ice storms

8% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailWinter 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 Terlton flood?

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

of all homes
are insured

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

Insurance rates: Pawnee County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Terlton

2 federal disasters brought FEMA money here

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

Brought FEMA money into TerltonDeclared for Pawnee County only

2025

Wildfires and Straight-Line Winds

27 households applied for aid $776K aid approved

2019

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

10 households applied for aid $3K aid approved

Pawnee County has had 28 natural disasters declared since 1953, most often ice storms and severe 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. Terlton 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 Terlton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Terlton. 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.