Natural hazards · Union

Union, OK natural hazards

Most of the natural-hazard damage FEMA expects in Union comes from inland flooding, and overall the risk is moderate for a U.S. community. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Union?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes21%Cold waves14%Hail9%Ice storms8%Heat waves7%Everything else11%

By hazard

What Union 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 38% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 6 years in the area

Cold waves

14% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Hail

9% of expected damage

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

Recorded about 11 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

Heat waves

7% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesStrong 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 Union flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Canadian County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Union

9 federal disasters brought FEMA money here

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

Brought FEMA money into UnionDeclared for Canadian County only

2021

Severe Winter Storms

8 households applied for aid

2019

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

1 household applied for aid

2013

Severe Storms, Tornadoes, and Flooding

40 households applied for aid $31K aid approved $13K to the Town of Union for repairs

2009

Severe Winter Storm

$19K to the Town of Union for repairs

2007

Severe Storms, Tornadoes and Flooding

16 households applied for aid $68K aid approved $750 to the Town of Union for repairs

2007

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $549 aid approved $10K to the Town of Union for repairs

2005

Extreme Wildfire Threat

$5K to the Town of Union for repairs

2003

Severe Storms and Tornadoes

1 household applied for aid

2002

Severe Winter Ice Storm

$11K to the Town of Union for repairs

Canadian County has had 32 natural disasters declared since 1953, most often severe storms and ice storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Mincomostly tornadoesHigh

Oklahoma Citymostly inland floodingHigh

Union Citymostly inland floodingModerate

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