Natural hazards · Wagoner

Wagoner, OK natural hazards

Most of the natural-hazard damage FEMA expects in Wagoner comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 21 claims here since 1982. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wagoner?

High

vs. U.S. communities

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

Inland flooding39%Heat waves16%Ice storms13%Tornadoes9%Cold waves9%Hail8%Everything else6%

By hazard

What Wagoner faces

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

Inland flooding

39% of expected damage

Above average · higher than 58% 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

13% 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

Recorded about once every 97 years in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Hail

8% 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 Wagoner flood?

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

21paid claims since 1982

$419Kpaid to owners

2homes flooded more than once

19822026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Wagoner 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.

What’s been done with FEMA grants

31storm safe rooms built

Disasters that hit Wagoner

7 federal disasters brought FEMA money here

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

Brought FEMA money into WagonerDeclared for Wagoner County only

2021

Severe Winter Storms

33 households applied for aid $20K aid approved

2019

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

27 households applied for aid $101K aid approved $123K to the City of Wagoner for repairs

2015

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

25 households applied for aid $57K aid approved $118K to the City of Wagoner for repairs

2007

Severe Winter Storms

$107K to the City of Wagoner for repairs

2007

Severe Storms, Flooding, and Tornadoes

$21K to the City of Wagoner for repairs

2005

Extreme Wildfire Threat

1 household applied for aid $22K aid approved

2000

Severe Winter Ice Storm

$33K to the City of Wagoner for repairs

Wagoner County has had 26 natural disasters declared since 1953, most often floods 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. Wagoner covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Wagoner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wagoner. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Wagoner total about $3.5M a year, counting buildings, people and crops.

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.

Wagoner, OK natural hazards

How exposed is Wagoner?

What Wagoner faces

Inland flooding

Heat waves

Ice storms

Tornadoes

Cold waves

Hail

Lower here

Not a risk here

Does Wagoner flood?

Homes that flooded again and again

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

Severe Winter Storms

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

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

Severe Winter Storms

Severe Storms, Flooding, and Tornadoes

Extreme Wildfire Threat

Severe Winter Ice Storm

How to read this page

Where to, neighbor?

Matches

Nearby