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Natural hazards · Thomas

Thomas, OK natural hazards

Most of the natural-hazard damage FEMA expects in Thomas comes from tornadoes, and overall the risk is high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Thomas?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thomas to be higher than in 69% of U.S. communities, mostly from tornadoes and drought.

Tornadoes23%Drought22%Inland flooding22%Cold waves10%Ice storms7%Everything else16%
By hazard

What Thomas faces

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

Tornadoes

23% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 2 years in the area

Drought

22% of expected damage
Recorded about 91 times a year in the area

Inland flooding

22% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once a year in the area

Cold waves

10% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 2 times a year in the area

Ice storms

7% 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 weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Thomas flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Thomas isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Custer County.

What’s been done with FEMA grants

10storm safe rooms built
Disasters that hit Thomas

7 federal disasters brought FEMA money here

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

Brought FEMA money into ThomasDeclared for Custer County only
2024

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

5 households applied for aid $2K aid approved
2020

Severe Winter Storm

$7K to the City of Thomas for repairs
2019

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

$9K to the City of Thomas for repairs
2013

Severe Winter Storm and Snowstorm

$3K to the City of Thomas for repairs
2007

Severe Storms, Tornadoes, and Flooding

14 households applied for aid $12K aid approved $18K to the City of Thomas for repairs
2007

Severe Storms, Flooding, and Tornadoes

$22K to the City of Thomas for repairs
2002

Severe Winter Ice Storm

$13K to the City of Thomas for repairs
Custer County has had 27 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. Thomas 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 Thomas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thomas. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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