Storms, floods and disasters in Coyle
Coyle isn’t graded for hazard risk: Coyle has 522 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1993.
What Coyle 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 Coyle flood? Rarely: 5 flood claims since 1993
Every paid claim on a federal flood insurance policy in Coyle, from FEMA’s records.
Coyle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Logan County.5 federal disasters brought FEMA money to Coyle
Disasters that paid out in Coyle itself (aid to households or repair grants to the Town of Coyle), newest first, with that year’s flood claims.
- 2025Wildfires and Straight-line Winds12 households applied for aid$146K aid approved
- 2020Severe Winter Storm$26K to the Town of Coyle for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding4 households applied for aid$2K aid approved$5K to the Town of Coyle for repairs
- 2009Severe Storms and Tornadoes4 households applied for aid$3K aid approved
- 2007Severe Storms, Flooding, and Tornadoes1 households applied for aid$470 aid approved
Logan County has had 34 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 6 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Logan County, 2000–2025.
Old photos of Coyle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coyle archive →Coyle and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Langston | C−more damage than 78% | river and rain flooding | — |
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 Coyle 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 Coyle
Does Coyle flood?
Flood insurance has paid 5 claims in Coyle since 1993, $20K in all. 1 properties have flooded more than once.
Is Coyle 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 Logan County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Coyle?
FEMA’s Community Rating System list shows no discount for Coyle’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 Coyle?
By FEMA money that reached Coyle, Wildfires and Straight-line Winds (2025): 12 households applied for aid, $146K approved.
Storm stories
Memories, warnings and help from neighbors in Coyle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coyle’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.