Photo: Cityofeufaulaok · CC BY-SA 4.0FEMA puts Eufaula’s expected hazard damage per building above that of 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Eufaula gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #52 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (54%), then ice storms (14%). FEMA’s files show no paid flood insurance claims here.
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 Eufaula 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
Tornadoes
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 Eufaula’s grade
River and rain flooding is 54% of the building damage FEMA expects in Eufaula, and Eufaula’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Ice storms add 14%, at a rate in the top 1% of U.S. census tracts.
C #52 of 131 in Oklahoma; higher expected damage per building than 67% of U.S. towns (21,298).
Eufaula’s residents live in 2 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, Eufaula has less expected damage per building than 61% of Oklahoma towns.
In dollars, FEMA expects about $1.7M a year in losses across Eufaula: $970K to buildings, the rest to people and crops.
Does Eufaula flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eufaula. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eufaula isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McIntosh County.9 federal disasters brought FEMA money to Eufaula
Disasters that paid out in Eufaula itself (aid to households or repair grants to the City of Eufaula), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornadoes$38K to the City of Eufaula for repairs
- 2021Severe Winter Storms36 households applied for aid$19K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding94 households applied for aid$43K aid approved$48K to the City of Eufaula for repairs
- 2013Severe Storms, Tornadoes, and Flooding$61K to the City of Eufaula for repairs
- 2011Severe Storms and Flooding$224K to the City of Eufaula for repairs
- 2007Severe Storms, Flooding, and Tornadoes$4K to the City of Eufaula for repairs
Show all 9
- 2007Severe Storms, Tornadoes and Flooding$3K to the City of Eufaula for repairs
- 2007Severe Winter Storms$832K to the City of Eufaula for repairs
- 2000Severe Winter Ice Storm$863K to the City of Eufaula for repairs
McIntosh County has had 21 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in McIntosh County, 2005–2006.
Old photos of Eufaula after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eufaula archive →Get ready for what Eufaula 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.
- 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.
- 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 Eufaula
Is Eufaula at risk for natural disasters?
On FEMA’s National Risk Index, Eufaula has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #52 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (54%) and ice storms (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Eufaula 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 McIntosh County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Eufaula?
FEMA’s Community Rating System list shows no discount for Eufaula’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 Eufaula?
By FEMA money that reached Eufaula, Severe Winter Ice Storm (2000): $863K to the City of Eufaula for repairs.
Is Eufaula at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Eufaula’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eufaula.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eufaula’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.