Natural hazards · Tipton

Tipton, OK natural hazards

Most of the natural-hazard damage FEMA expects in Tipton comes from drought, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1997. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Tipton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tipton to be higher than in 60% of U.S. communities, mostly from drought and inland flooding.

Drought26%Inland flooding18%Tornadoes17%Strong wind12%Hail8%Cold waves7%Everything else11%

By hazard

What Tipton faces

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

Drought

26% of expected damage

Recorded about 114 times a year in the area

Inland flooding

18% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 10 years in the area

Strong wind

12% of expected damage

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

Recorded about 5 times a year in the area

Hail

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 10 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Tipton flood?

Every paid claim on a federal flood insurance policy in Tipton, from FEMA’s records.

5paid claims since 1997

$66Kpaid to owners

1homes flooded more than once

19972026

Biggest named events

Early summer storms: 1 claim, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Tillman County.

Disasters that hit Tipton

1 federal disaster brought FEMA money here

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

Brought FEMA money into TiptonDeclared for Tillman County only

2015

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

15 households applied for aid $30K aid approved

Tillman County has had 30 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. Tipton 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 Tipton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Tipton. 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.