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–Not graded
Natural hazards in Disney · FEMA

Storms, floods and disasters in Disney

Disney isn’t graded for hazard risk: Disney has 182 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2015.

Flood claims
2
paid since 2015 · $14K
Disasters paid out here
4
of 22 declared for Mayes County
By hazard

What Disney 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

75%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 2 times a year in the area

Ice storms

15%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 Tornadoes Hail Strong wind Earthquakes Winter storms top 4% Hurricanes Lightning 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 tornadoes at 15% of Disney’s expected losses. Tornadoes do little damage to buildings (2.0%), 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.
Flood insurance claims

Does Disney flood? Rarely: 2 flood claims since 2015

Every paid claim on a federal flood insurance policy in Disney, from FEMA’s records.

Paid flood claims, by year
2015: 2 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2015
20152026
Biggest named events
  • The Early summer storms2 claims · $14K
2
paid claims since 2015
$14K
paid to owners
0
homes flooded more than once
$7K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Mayes County.
What’s been done with FEMA grants
1storm safe room built
Disasters

4 federal disasters brought FEMA money to Disney

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

  1. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding3 households applied for aid$10K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding3 households applied for aid$18K aid approved2 flood claims paid that year
  3. 2007Severe Storms, Flooding, and Tornadoes1 households applied for aid$11K aid approved
  4. 2007Severe Winter Storms$19K to the Town of Disney for repairs
Disasters declared, by decade
Paid out in DisneyMayes County only

Mayes County has had 22 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 Mayes County, 2005–2005.

Were you here?

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

Add to the Disney archive →
Be ready

Get ready for what Disney 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 ↗
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 Disney

Does Disney flood?

Flood insurance has paid 2 claims in Disney since 2015, $14K in all. The most claims came from Early summer storms (2).

Is Disney 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 Mayes County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Disney?

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

By FEMA money that reached Disney, Severe Winter Storms (2007): $19K to the Town of Disney for repairs. By flood claims, Early summer storms: 2 paid, $14K.

Storm stories

Memories, warnings and help from neighbors in Disney.

Town Square →
Start the conversation

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