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–Not graded
Natural hazards in Fort Cobb · FEMA

Storms, floods and disasters in Fort Cobb

Fort Cobb isn’t graded for hazard risk: Fort Cobb has 469 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1993.

Flood claims
5
paid since 1993 · $153K
Disasters paid out here
6
of 35 declared for Caddo County
By hazard

What Fort Cobb 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

48%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 8 years in the area

Hail

11%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 12 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
 Earthquakes Lightning top 2% Winter storms Cold waves top 2% Hurricanes 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 Fort Cobb’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.
Flood insurance claims

Does Fort Cobb flood? Rarely: 5 flood claims since 1993

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

Paid flood claims, by year
1993: 3 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 2 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19932007
19932026
5
paid claims since 1993
$153K
paid to owners
0
homes flooded more than once
$31K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Caddo County.
What’s been done with FEMA grants
8storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Fort Cobb

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding7 households applied for aid$38K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding4 households applied for aid$1K aid approved
  3. 2010Severe Winter Storm$5K to the Town of Fort Cobb for repairs
  4. 2007Severe Winter Storms$13K to the Town of Fort Cobb for repairs
  5. 2007Severe Storms, Tornadoes, and Flooding182 households applied for aid$961K aid approved$50K to the Town of Fort Cobb for repairs
  6. 2002Severe Winter Ice Storm$4K to the Town of Fort Cobb for repairs
Disasters declared, by decade
Paid out in Fort CobbCaddo County only

Caddo County has had 35 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Caddo County, 2006–2006.

Were you here?

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

Add to the Fort Cobb archive →
Be ready

Get ready for what Fort Cobb 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 Fort Cobb

Does Fort Cobb flood?

Flood insurance has paid 5 claims in Fort Cobb since 1993, $153K in all.

Is Fort Cobb 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 Caddo County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Fort Cobb?

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

By FEMA money that reached Fort Cobb, Severe Storms, Tornadoes, and Flooding (2007): 182 households applied for aid, $961K approved, and $50K to the Town of Fort Cobb for repairs.

Storm stories

Memories, warnings and help from neighbors in Fort Cobb.

Town Square →
Start the conversation

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