Corey House/Hotel · Photo: Melodibit · CC BY-SA 3.0FEMA expects more hazard damage per building in Grove than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Grove gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #107 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (76%), then ice storms (11%). Flood insurance has paid 12 claims here since 1999.
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 Grove 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
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 Grove’s grade
River and rain flooding is 76% of the building damage FEMA expects in Grove, and Grove’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Ice storms add 11%, at a rate in the top 1% of U.S. census tracts.
C− #107 of 131 in Oklahoma; higher expected damage per building than 82% of U.S. towns (21,298).
Grove’s residents live in 4 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, Grove has more expected damage per building than 82% of Oklahoma towns.
In dollars, FEMA expects about $4.7M a year in losses across Grove: $3.2M to buildings, the rest to people and crops.
Does Grove flood? Sometimes: 12 flood claims since 1999
Every paid claim on a federal flood insurance policy in Grove, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms2 claims · $9K
Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.11 federal disasters brought FEMA money to Grove
Disasters that paid out in Grove itself (aid to households or repair grants to the City of Grove), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding3 households applied for aid$3K aid approved
- 2023Severe Storms, Straight-line Winds, and Tornadoes$102K to the City of Grove for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding93 households applied for aid$82K aid approved7 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$9K aid approved2 flood claims paid that year
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding26 households applied for aid$90K aid approved$2K to the City of Grove for repairs1 flood claim paid that year
- 2010Severe Winter Storm$12K to the City of Grove for repairs
Show all 11
- 2009Severe Winter Storm$11K to the City of Grove for repairs
- 2008Severe Storms, Tornadoes, and Flooding$15K to the City of Grove for repairs
- 2007Severe Winter Storms$11K to the City of Grove for repairs
- 2007Severe Storms, Flooding, and Tornadoes5 households applied for aid$10K aid approved
- 2007Severe Winter Storms$191K to the City of Grove for repairs
Delaware County has had 26 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 Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grove archive →Grove and its neighbors
Grove has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Grove | C−more damage than 82% | river and rain flooding | 12 |
| Copeland | Dmore damage than 93% | river and rain flooding | 1 |
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.
Get ready for what Grove 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.
- 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 Grove
Is Grove at risk for natural disasters?
On FEMA’s National Risk Index, Grove has higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #107 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (76%) and ice storms (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Grove flood?
Flood insurance has paid 12 claims in Grove since 1999, $226K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Early summer storms (2).
Is Grove 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 Delaware County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Grove?
FEMA’s Community Rating System list shows no discount for Grove’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 Grove?
By FEMA money that reached Grove, Severe Winter Storms (2007): $191K to the City of Grove for repairs. By flood claims, Early summer storms: 2 paid, $9K.
Is Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Grove’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grove’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.