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DHazard risk
Natural hazards in Crescent · FEMA

FEMA puts Crescent’s expected hazard damage per building above that of 86% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Crescent gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then tornadoes (27%). Flood insurance has paid 3 claims here since 1987.

River and rain flooding 50%Tornadoes 27%Hail 10%

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 86%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Oklahoma · higher than 86% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
3
paid since 1987 · $107K
Disasters paid out here
10
of 34 declared for Logan County
By hazard

What Crescent 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

50%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

27%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 3 years in the area

Hail

10%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 11 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
 Wildfire Strong wind Earthquakes Winter storms Lightning Hurricanes Cold waves 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 cold waves at 23% of Crescent’s expected losses. Cold waves do 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 Crescent’s grade

River and rain flooding is 50% of the building damage FEMA expects in Crescent, and Crescent’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Tornadoes add 27%, at a rate in the top 1% of U.S. census tracts.

Where Crescent sits
Crescent
Least damageMiddleMost damage

D higher expected damage per building than 86% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding50%Tornadoes27%Hail10%Everything else13%

In dollars, FEMA expects about $1.2M a year in losses across Crescent: $509K to buildings, the rest to people and crops.

Shared tract.All of Crescent’s 1,299 residents (2020 census) live in one census tract, which it shares with Mulhall town (212 residents) and Marshall town (210 residents) and Crescent Springs CDP (184 residents) and Twin Lakes CDP (178 residents) and Cimarron City town (155 residents) and Lovell CDP (28 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 Crescent flood? Rarely: 3 flood claims since 1987

Every paid claim on a federal flood insurance policy in Crescent, from FEMA’s records: 4.7 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1987: 1 claim1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198719982015
19872026
Biggest named events
  • The Early summer storms1 claim · $105K
3
paid claims since 1987
$107K
paid to owners
0
homes flooded more than once
$36K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Crescent 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.
What’s been done with FEMA grants
70storm safe rooms built
Disasters

10 federal disasters brought FEMA money to Crescent

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

  1. 2020Severe Winter Storm$135K to the City of Crescent for repairs
  2. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding47 households applied for aid$199K aid approved$81K to the City of Crescent for repairs
  3. 2015Severe Winter Storms and Flooding$108K to the City of Crescent for repairs
  4. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding4 households applied for aid$33K aid approved
  5. 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$1K aid approved
  6. 2008Severe Storms, Tornadoes, and Flooding$11K to the City of Crescent for repairs
Show all 10
  1. 2007Severe Storms, Tornadoes, and Flooding$4K to the City of Crescent for repairs
  2. 2007Severe Storms, Flooding, and Tornadoes9 households applied for aid$12K aid approved$16K to the City of Crescent for repairs
  3. 2003Severe Storms and Tornadoes1 households applied for aid$4K aid approved
  4. 2002Severe Winter Ice Storm$105K to the City of Crescent for repairs
Disasters declared, by decade
Paid out in CrescentLogan County only

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.

Were you here?

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

Add to the Crescent archive →
Be ready

Get ready for what Crescent 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 Crescent

Is Crescent at risk for natural disasters?

On FEMA’s National Risk Index, Crescent has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (50%) and tornadoes (27%). 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.

Does Crescent flood?

Flood insurance has paid 3 claims in Crescent since 1987, $107K in all, or 4.7 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record. The most claims came from Early summer storms (1).

Is Crescent 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 Crescent?

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

By FEMA money that reached Crescent, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2019): 47 households applied for aid, $199K approved, and $81K to the City of Crescent for repairs. By flood claims, Early summer storms: 1 paid, $105K.

Is Crescent at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Crescent’s rate for it is higher than 73% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Crescent.

Town Square →
Start the conversation

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