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CHazard risk
Natural hazards in Goldsby · FEMA

FEMA expects more hazard damage per building in Goldsby than in 75% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Goldsby gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns, #93 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (52%), then tornadoes (18%). Flood insurance has paid 1 claim here since 2022.

River and rain flooding 52%Tornadoes 18%Hail 14%

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 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#93 of 131 in Oklahoma
Hazard risk
C#93 of 131
in Oklahoma · higher than 75% of U.S. towns
Main hazard
River and rain flooding
52% of expected building damage
Flood claims
1
paid since 2022 · $20K
Disasters paid out here
11
of 32 declared for McClain County
By hazard

What Goldsby 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

52%of expected building damage
About average · higher than 59% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 11 years in the area

Hail

14%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 11 times a year in the area

Ice storms

7%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Earthquakes Strong wind Winter storms Cold waves top 2% Lightning 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 10% of Goldsby’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 Goldsby’s grade

River and rain flooding is 52% of the building damage FEMA expects in Goldsby, and Goldsby’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 1% of U.S. census tracts.

Where Goldsby sits
Goldsby
Least damageMiddleMost damage

C #93 of 131 in Oklahoma; higher expected damage per building than 75% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding52%Tornadoes18%Hail14%Everything else16%

The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Goldsby has more expected damage per building than 71% of Oklahoma towns.

In dollars, FEMA expects about $1.9M a year in losses across Goldsby: $1.0M to buildings, the rest to people and crops.

Shared tract.All of Goldsby’s 2,694 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Goldsby flood? Rarely: 1 flood claim since 2022

Every paid claim on a federal flood insurance policy in Goldsby, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2022: 1 claim2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2022
20222026
1
paid claims since 2022
$20K
paid to owners
0
homes flooded more than once
$20K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: McClain County.
What’s been done with FEMA grants
90storm safe rooms built
Disasters

11 federal disasters brought FEMA money to Goldsby

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

  1. 2023Severe Storms, Straight-line Winds, and Tornadoes4 households applied for aid$7K to the Town of Goldsby for repairs
  2. 2020Severe Winter Storm$33K to the Town of Goldsby for repairs
  3. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$16K aid approved
  4. 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$2K aid approved
  5. 2010Severe Winter Storm$1K to the Town of Goldsby for repairs
  6. 2009Severe Winter Storm$3K to the Town of Goldsby for repairs
Show all 11
  1. 2007Severe Winter Storms$58K to the Town of Goldsby for repairs
  2. 2007Severe Storms, Flooding, and Tornadoes4 households applied for aid$6K aid approved
  3. 2007Severe Storms, Tornadoes and Flooding$798 to the Town of Goldsby for repairs
  4. 2007Severe Winter Storms$21K to the Town of Goldsby for repairs
  5. 2000Severe Winter Ice Storm$112K to the Town of Goldsby for repairs
Disasters declared, by decade
Paid out in GoldsbyMcClain County only

McClain County has had 32 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 McClain County, 2006–2026.

Were you here?

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

Add to the Goldsby archive →
Next door

Goldsby and its neighbors

Goldsby is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Newcastle: hazard risk C−Purcell: hazard risk CNewcastlePurcellGoldsby
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
PurcellCmore damage than 69%river and rain flooding11
GoldsbyCmore damage than 75%river and rain flooding1
NewcastleC−more damage than 79%river and rain flooding6

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Goldsby 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 Goldsby

Is Goldsby at risk for natural disasters?

On FEMA’s National Risk Index, Goldsby has higher expected damage per building than 75% of U.S. towns: C for hazard risk, #93 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (52%) and tornadoes (18%). 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 Goldsby flood?

Flood insurance has paid 1 claim in Goldsby since 2022, $20K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.

Is Goldsby 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 McClain County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Goldsby?

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

By FEMA money that reached Goldsby, Severe Winter Ice Storm (2000): $112K to the Town of Goldsby for repairs.

Is Goldsby at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (52%), and Goldsby’s rate for it is higher than 59% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Goldsby.

Town Square →
Start the conversation

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