Photo: Nyttend · Public domainStorms, floods and disasters in Apache
Apache isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Apache yet. Flood insurance has paid 24 claims here since 1979.
What Apache 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
Ice storms
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 Apache flood? Sometimes: 24 flood claims since 1979
Every paid claim on a federal flood insurance policy in Apache, from FEMA’s records.
- The Early summer storms4 claims · $139K
Apache isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Caddo County.9 federal disasters brought FEMA money to Apache
Disasters that paid out in Apache itself (aid to households or repair grants to the Town of Apache), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$9K aid approved
- 2021Severe Winter Storms1 households applied for aid$10K aid approved
- 2015Severe Winter Storms and Flooding$6K to the Town of Apache for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding16 households applied for aid$35K aid approved$35K to the Town of Apache for repairs
- 2010Severe Winter Storm$61K to the Town of Apache for repairs
- 2007Severe Storms, Tornadoes, and Flooding24 households applied for aid$40K aid approved$12K to the Town of Apache for repairs
Show all 9
- 2007Severe Storms, Flooding, and Tornadoes7 households applied for aid$6K aid approved
- 2007Severe Storms, Tornadoes and Flooding$7K to the Town of Apache for repairs
- 2000Severe Storms and Flooding$44K to the Town of Apache for repairs10 flood claims paid that year
Caddo County has had 35 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.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Caddo County, 2006–2006.
Old photos of Apache after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Apache archive →Get ready for what Apache 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Apache
Does Apache flood?
Flood insurance has paid 24 claims in Apache since 1979, $710K in all. 2 properties have flooded more than once. The most claims came from Early summer storms (4).
Is Apache 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 Caddo County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Apache?
FEMA’s Community Rating System list shows no discount for Apache’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Apache?
By FEMA money that reached Apache, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 16 households applied for aid, $35K approved, and $35K to the Town of Apache for repairs. By flood claims, Early summer storms: 4 paid, $139K.
Storm stories
Memories, warnings and help from neighbors in Apache.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Apache’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.