Natural hazards · Woodward

Woodward, OK natural hazards

Most of the natural-hazard damage FEMA expects in Woodward comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 32 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Woodward?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Woodward to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding34%Cold waves13%Tornadoes12%Heat waves12%Ice storms8%Hail7%Everything else14%

By hazard

What Woodward faces

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

Inland flooding

34% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

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

Heat waves

12% of expected damage

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

Recorded about 7 times a year in the area

Ice storms

8% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesWinter weatherEarthquakesLandslidesLightningDrought

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 Woodward flood?

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

32paid claims since 1982

$213Kpaid to owners

3homes 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. Woodward isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Woodward County.

What’s been done with FEMA grants

24storm safe rooms built

Disasters that hit Woodward

6 federal disasters brought FEMA money here

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

Brought FEMA money into WoodwardDeclared for Woodward County only

2017

Severe Winter Storm

$399K to the City of Woodward for repairs

2013

Severe Winter Storm and Snowstorm

$4K to the City of Woodward for repairs

2009

Record Snow and Near Record Snow

$21K to the City of Woodward for repairs

2007

Severe Winter Storms and Flooding

$8K to the City of Woodward for repairs

2005

Extreme Wildfire Threat

$9K to the City of Woodward for repairs

2002

Severe Winter Ice Storm

$5K to the City of Woodward for repairs

Woodward County has had 27 natural disasters declared since 1953, most often fires 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. Woodward covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Woodward’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Woodward. 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 Woodward total about $4.8M 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.