Natural hazards · Toppers

Toppers, OK natural hazards

Most of the natural-hazard damage FEMA expects in Toppers comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Toppers?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toppers to be higher than in 65% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding42%Heat waves16%Ice storms12%Tornadoes9%Cold waves9%Hail7%Everything else6%

By hazard

What Toppers faces

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

Inland flooding

42% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Heat waves

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 26 times a year in the area

Ice storms

12% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 62% of U.S. places

Cold waves

9% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Toppers flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wagoner County.

Disasters that hit Toppers

Federal disasters declared here

None of the disasters declared for Wagoner County shows FEMA aid or repair money reaching Toppers itself in FEMA’s records.

Brought FEMA money into ToppersDeclared for Wagoner County only

Wagoner County has had 26 natural disasters declared since 1953, most often floods and severe storms.

Around Toppers

Toppers and the towns around it

Very lowLowModerateHighVery high

Taylor Ferrymostly inland floodingHigh

Whitehorn Covemostly inland floodingHigh

Toppersmostly inland floodingHigh

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. Toppers 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 Toppers’s own flood-insurance community; household aid to the registrant’s city; repair grants to Toppers. 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.