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The Liberty TheatrePhoto: Smile25 · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Carnegie · FEMA

FEMA puts Carnegie’s expected hazard damage per building above that of 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Carnegie gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (52%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 52%Tornadoes 17%Hail 11%

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 84%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 84% of U.S. towns
Main hazard
River and rain flooding
52% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
12
of 35 declared for Caddo County
By hazard

What Carnegie 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

52%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 4 years in the area

Hail

11%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 12 times a year in the area

Ice storms

8%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Earthquakes Wildfire Lightning top 2% Winter storms Cold waves top 2% Hurricanes 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 drought at 14% of Carnegie’s expected losses. Drought does little damage to buildings (0.0%), 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 Carnegie’s grade

River and rain flooding is 52% of the building damage FEMA expects in Carnegie, and Carnegie’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 1% of U.S. census tracts.

Where Carnegie sits
Carnegie
Least damageMiddleMost damage

C− higher expected damage per building than 84% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding52%Tornadoes17%Hail11%Everything else20%

In dollars, FEMA expects about $1.2M a year in losses across Carnegie: $597K to buildings, the rest to people and crops.

Shared tract.All of Carnegie’s 1,430 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Carnegie flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Carnegie. 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

Carnegie 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.
What’s been done with FEMA grants
7storm safe rooms built
Disasters

12 federal disasters brought FEMA money to Carnegie

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding25 households applied for aid$96K aid approved
  2. 2020Severe Winter Storm$180K to the Town of Carnegie for repairs
  3. 2016Severe Storms and Flooding$30K to the Town of Carnegie for repairs
  4. 2015Severe Winter Storms and Flooding$65K to the Town of Carnegie for repairs
  5. 2015Severe Winter Storms and Flooding$24K to the Town of Carnegie for repairs
  6. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding9 households applied for aid$16K aid approved
Show all 12
  1. 2010Severe Winter Storm$88K to the Town of Carnegie for repairs
  2. 2007Severe Storms, Tornadoes, and Flooding66 households applied for aid$118K aid approved$43K to the Town of Carnegie for repairs
  3. 2007Severe Storms, Flooding, and Tornadoes2 households applied for aid$44 aid approved
  4. 2007Severe Winter Storms$3K to the Town of Carnegie for repairs
  5. 2002Severe Winter Ice Storm$31K to the Town of Carnegie for repairs
  6. 2000Severe Winter Ice Storm$26K to the Town of Carnegie for repairs
Disasters declared, by decade
Paid out in CarnegieCaddo County only

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.

Were you here?

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

Add to the Carnegie archive →
Be ready

Get ready for what Carnegie 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 ↗
Tornado warnings
  • 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.
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 ↗
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 ↗
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 Carnegie

Is Carnegie at risk for natural disasters?

On FEMA’s National Risk Index, Carnegie has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (52%) and tornadoes (17%). 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 Carnegie 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 Carnegie?

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

By FEMA money that reached Carnegie, Severe Winter Storm (2020): $180K to the Town of Carnegie for repairs.

Is Carnegie at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (52%), and Carnegie’s rate for it is higher than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Carnegie.

Town Square →
Start the conversation

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