Photo: Caleb Long · CC BY-SA 2.5FEMA expects more hazard damage per building in Coweta than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coweta gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #82 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (64%), then ice storms (16%). Flood insurance has paid 62 claims here since 1980.
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
What stands out about Coweta’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Coweta 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
Ice storms
Hail
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.
What’s behind Coweta’s grade
River and rain flooding is 64% of the building damage FEMA expects in Coweta, and Coweta’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Ice storms add 16%, at a rate in the top 1% of U.S. census tracts.
C #82 of 131 in Oklahoma; higher expected damage per building than 73% of U.S. towns (21,298).
Coweta’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Coweta has more expected damage per building than 62% of Oklahoma towns.
In dollars, FEMA expects about $3.5M a year in losses across Coweta: $2.1M to buildings, the rest to people and crops.
Does Coweta flood? Sometimes: 62 flood claims since 1980
Every paid claim on a federal flood insurance policy in Coweta, from FEMA’s records: 14.2 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms1 claim · $12K
Coweta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wagoner County.7 federal disasters brought FEMA money to Coweta
Disasters that paid out in Coweta itself (aid to households or repair grants to the City of Coweta), newest first, with that year’s flood claims.
- 2021Severe Winter Storms24 households applied for aid$5K aid approved
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding49 households applied for aid$55K aid approved$70K to the City of Coweta for repairs4 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding23 households applied for aid$35K aid approved$12K to the City of Coweta for repairs1 flood claim paid that year
- 2008Severe Storms, Tornadoes, and Flooding$172K to the City of Coweta for repairs9 flood claims paid that year
- 2007Severe Winter Storms$194K to the City of Coweta for repairs
- 2007Severe Winter Storms$11K to the City of Coweta for repairs
Show all 7
- 2000Severe Winter Ice Storm$8K to the City of Coweta for repairs15 flood claims paid that year
Wagoner County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. 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 Wagoner County, 2017–2017.
Old photos of Coweta after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coweta archive →Coweta and its neighbors
Coweta is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Broken Arrow | C+more damage than 62% | river and rain flooding | 108 |
| Coweta | Cmore damage than 73% | river and rain flooding | 62 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Coweta 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.
- 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.
- 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.
- 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 Coweta
Is Coweta at risk for natural disasters?
On FEMA’s National Risk Index, Coweta has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #82 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (64%) and ice storms (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coweta flood?
Flood insurance has paid 62 claims in Coweta since 1980, $1.2M in all, or 14.2 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Early summer storms (1).
Is Coweta 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 Wagoner County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Coweta?
FEMA’s Community Rating System list shows no discount for Coweta’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 Coweta?
By FEMA money that reached Coweta, Severe Winter Storms (2007): $194K to the City of Coweta for repairs. By flood claims, Early summer storms: 1 paid, $12K.
Is Coweta at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Coweta’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coweta.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coweta’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.