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CHazard risk
Natural hazards in Fletcher · FEMA

FEMA puts Fletcher’s expected hazard damage per building above that of 69% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Fletcher gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (46%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 46%Tornadoes 15%Wildfire 15%

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 69%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Oklahoma · higher than 69% of U.S. towns
Main hazard
River and rain flooding
46% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 25 declared for Comanche County
By hazard

What Fletcher 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

46%of expected building damage
About average · lower than 57% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

15%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 7 years in the area

Wildfire

15%of expected building damage
Well above average · in the top 4% of U.S. census tracts

Strong wind

8%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about 6 times a year in the area
Smaller shares here
 Ice storms top 3% Earthquakes Cold waves top 2% Lightning Hurricanes Winter storms 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 14% of Fletcher’s expected losses. Cold waves do little damage to buildings (0.2%), 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 Fletcher’s grade

River and rain flooding is 46% of the building damage FEMA expects in Fletcher, and Fletcher’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 3% of U.S. census tracts.

Where Fletcher sits
Fletcher
Least damageMiddleMost damage

C higher expected damage per building than 69% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding46%Tornadoes15%Wildfire15%Everything else24%

In dollars, FEMA expects about $539K a year in losses across Fletcher: $258K to buildings, the rest to people and crops.

Shared tract.All of Fletcher’s 1,204 residents (2020 census) live in one census tract, which it shares with Sterling town (668 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 Fletcher flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Fletcher. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Comanche County.
What’s been done with FEMA grants
14storm safe rooms built
Disasters

8 federal disasters brought FEMA money to Fletcher

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

  1. 2020Severe Winter Storm$23K to the Town of Fletcher for repairs
  2. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$1K aid approved
  3. 2010Severe Winter Storm$25K to the Town of Fletcher for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding3 households applied for aid$576 aid approved
  5. 2007Severe Storms, Flooding, and Tornadoes6 households applied for aid$4K aid approved
  6. 2007Severe Winter Storms$3K to the Town of Fletcher for repairs
Show all 8
  1. 2001Severe Storms, Flooding, and Tornadoes$750 to the Town of Fletcher for repairs
  2. 2000Severe Winter Ice Storm$15K to the Town of Fletcher for repairs
Disasters declared, by decade
Paid out in FletcherComanche County only

Comanche County has had 25 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 Comanche County, 2003–2011.

Were you here?

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

Add to the Fletcher archive →
Be ready

Get ready for what Fletcher 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 ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 Fletcher

Is Fletcher at risk for natural disasters?

On FEMA’s National Risk Index, Fletcher has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (46%) and tornadoes (15%). 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.

Is Fletcher 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 Comanche County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Fletcher?

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

By FEMA money that reached Fletcher, Severe Winter Storm (2010): $25K to the Town of Fletcher for repairs.

Is Fletcher at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (46%), and Fletcher’s rate for it is lower than 57% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Fletcher.

Town Square →
Start the conversation

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