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C+Hazard risk
Natural hazards in Caddo · FEMA

For ice storms, Caddo’s building-damage rate is in the top 1% of U.S. census tracts

On FEMA’s National Risk Index, Caddo gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then ice storms (12%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 56%Ice storms 12%Hail 12%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 58%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Oklahoma · higher than 58% of U.S. towns
Main hazard
River and rain flooding
56% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 18 declared for Bryan County
By hazard

What Caddo 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

56%of expected building damage
About average · lower than 52% of U.S. census tracts
Recorded about once a year in the area

Ice storms

12%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once a year in the area

Hail

12%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 7 times a year in the area

Wildfire

10%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Smaller shares here
 Tornadoes Earthquakes Strong wind Winter storms Hurricanes Cold waves top 2% Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 36% of Caddo’s expected losses. Tornadoes do little damage to buildings (3.8%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Caddo’s grade

River and rain flooding is 56% of the building damage FEMA expects in Caddo, and Caddo’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Ice storms add 12%, at a rate in the top 1% of U.S. census tracts.

Where Caddo sits
Caddo
Least damageMiddleMost damage

C+ higher expected damage per building than 58% of U.S. towns (21,298).

All of Caddo’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding56%Ice storms12%Hail12%Everything else19%

In dollars, FEMA expects about $513K a year in losses across Caddo: $200K to buildings, the rest to people and crops.

Shared tract.All of Caddo’s 1,017 residents (2020 census) live in one census tract, which it shares with Bokchito town (574 residents) and Blue CDP (200 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Caddo flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Caddo. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Bryan County.
What’s been done with FEMA grants
17storm safe rooms built
Disasters

4 federal disasters brought FEMA money to Caddo

Disasters that paid out in Caddo itself (aid to households or repair grants to the Town of Caddo), newest first, with that year’s flood claims.

  1. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding37 households applied for aid$37K aid approved
  2. 2007Severe Storms, Flooding, and Tornadoes1 households applied for aid$4K aid approved$1K to the Town of Caddo for repairs
  3. 2007Severe Storms, Flooding, and Tornadoes$11K to the Town of Caddo for repairs
  4. 2000Severe Winter Ice Storm$5K to the Town of Caddo for repairs
Disasters declared, by decade
Paid out in CaddoBryan County only

Bryan County has had 18 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Bryan County, 2005–2005.

Were you here?

Old photos of Caddo after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Caddo archive →
Be ready

Get ready for what Caddo faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Ice storms
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Caddo

Is Caddo at risk for natural disasters?

On FEMA’s National Risk Index, Caddo has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (56%) and ice storms (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Caddo 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 Bryan 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 Caddo?

FEMA’s Community Rating System list shows no discount for Caddo’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 Caddo?

By FEMA money that reached Caddo, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 37 households applied for aid, $37K approved.

Is Caddo at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (56%), and Caddo’s rate for it is lower than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Caddo.

Town Square →
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Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Caddo’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.