Storms, floods and disasters in Overbrook
Overbrook isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Overbrook yet.
What Overbrook faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Overbrook flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Overbrook. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Overbrook is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Osage County.4 federal disasters brought FEMA money to Overbrook
Disasters that paid out in Overbrook itself (aid to households or repair grants to the City of Overbrook), newest first, with that year’s flood claims.
- 2009Severe Winter Storms and Snowstorm$8K to the City of Overbrook for repairs
- 2007Severe Storms and Flooding1 households applied for aid$3K aid approved
- 2007Severe Storms, Tornadoes, and Flooding7 households applied for aid$4K aid approved
- 2005Severe Winter Storms, Heavy Rains, and Flooding$11K to the City of Overbrook for repairs
Osage County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Overbrook after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Overbrook archive →Get ready for what Overbrook faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Overbrook residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Overbrook
Is Overbrook in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Osage County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Overbrook?
Overbrook is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Overbrook?
By FEMA money that reached Overbrook, Severe Winter Storms, Heavy Rains, and Flooding (2005): $11K to the City of Overbrook for repairs.
Storm stories
Memories, warnings and help from neighbors in Overbrook.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Overbrook’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.