FEMA puts Fairview’s expected hazard damage per building above that of 91% of U.S. towns, led by hail
On FEMA’s National Risk Index, Fairview gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns, #129 of 131 in Oklahoma. Most of that expected damage is hail (36%), then river and rain flooding (29%). Flood insurance has paid 14 claims here since 1995.
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 Fairview’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Fairview faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Ice storms
Tornadoes
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 Fairview’s grade
Hail is 36% of the building damage FEMA expects in Fairview, and Fairview’s rate of hail damage is in the top 1% of U.S. census tracts. Ice storms add 23%, at a rate in the top 1% of U.S. census tracts.
D #129 of 131 in Oklahoma; higher expected damage per building than 91% of U.S. towns (21,298).
All of Fairview’s residents live in one census tract; the figures are that tract’s.
The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Fairview has more expected damage per building than 98% of Oklahoma towns.
In dollars, FEMA expects about $3.2M a year in losses across Fairview: $1.8M to buildings, the rest to people and crops.
Does Fairview flood? Sometimes: 14 flood claims since 1995
Every paid claim on a federal flood insurance policy in Fairview, from FEMA’s records: 9.9 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike10 claims · $237K
Fairview isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Major County.10 federal disasters brought FEMA money to Fairview
Disasters that paid out in Fairview itself (aid to households or repair grants to the City of Fairview), newest first, with that year’s flood claims.
- 2020Severe Winter Storm$21K to the City of Fairview for repairs
- 2017Severe Winter Storm$126K to the City of Fairview for repairs
- 2015Severe Winter Storms and Flooding$37K to the City of Fairview for repairs
- 2015Severe Winter Storms and Flooding$41K to the City of Fairview for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$113K to the City of Fairview for repairs
- 2013Severe Winter Storm and Snowstorm$36K to the City of Fairview for repairs
Show all 10
- 2008Severe Storms, Tornadoes, and Flooding$62K to the City of Fairview for repairs
- 2008Severe Storms and Flooding$69K to the City of Fairview for repairs
- 2007Severe Storms, Flooding, and Tornadoes$21K to the City of Fairview for repairs
- 2002Severe Winter Ice Storm$15K to the City of Fairview for repairs
Major County has had 28 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.
Old photos of Fairview after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fairview archive →Get ready for what Fairview faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Fairview
Is Fairview at risk for natural disasters?
On FEMA’s National Risk Index, Fairview has higher expected damage per building than 91% of U.S. towns: D for hazard risk, #129 of 131 in Oklahoma. Most of the expected damage is hail (36%) and river and rain flooding (29%). 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 Fairview flood?
Flood insurance has paid 14 claims in Fairview since 1995, $257K in all, or 9.9 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ike (10).
Is Fairview 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 Major County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Fairview?
FEMA’s Community Rating System list shows no discount for Fairview’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 Fairview?
By FEMA money that reached Fairview, Severe Winter Storm (2017): $126K to the City of Fairview for repairs. By flood claims, Hurricane Ike: 10 paid, $237K.
Is Fairview at risk from hail?
It is the largest share of the building damage FEMA expects here (36%), and Fairview’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fairview.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fairview’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.