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CHazard risk
Natural hazards in Haskell · FEMA

More hazard damage per building is expected in Haskell than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Haskell gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then hail (10%). Flood insurance has paid 1 claim here since 2022.

River and rain flooding 67%Hail 10%Ice storms 10%

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 70%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 70% of U.S. towns
Main hazard
River and rain flooding
67% of expected building damage
Flood claims
1
paid since 2022 · $97K
Disasters paid out here
6
of 26 declared for Muskogee County
By hazard

What Haskell 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

67%of expected building damage
Above average · higher than 70% of U.S. census tracts
Recorded about 3 times a year in the area

Hail

10%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 9 times a year in the area

Ice storms

10%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
 Tornadoes Wildfire Earthquakes Strong wind Winter storms top 4% Hurricanes Lightning Cold waves 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 tornadoes at 15% of Haskell’s expected losses. Tornadoes do little damage to buildings (4.3%), 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 Haskell’s grade

River and rain flooding is 67% of the building damage FEMA expects in Haskell, and Haskell’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Hail adds 10%, at a rate in the top 6% of U.S. census tracts.

Where Haskell sits
Haskell
Least damageMiddleMost damage

C higher expected damage per building than 70% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding67%Hail10%Ice storms10%Everything else12%

In dollars, FEMA expects about $978K a year in losses across Haskell: $460K to buildings, the rest to people and crops.

Shared tract.All of Haskell’s 1,626 residents (2020 census) live in one census tract, which it shares with Boynton town (161 residents) and Council Hill town (108 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 Haskell flood? Rarely: 1 flood claim since 2022

Every paid claim on a federal flood insurance policy in Haskell, from FEMA’s records: 1.2 per 1,000 homes, fewer than 75% 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
$97K
paid to owners
0
homes flooded more than once
$97K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Muskogee County.
What’s been done with FEMA grants
17storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Haskell

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$3K aid approved
  2. 2022Severe Storms, Tornadoes, and Flooding38 households applied for aid$164K aid approved1 flood claim paid that year
  3. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding37 households applied for aid$249K aid approved
  4. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$1K aid approved
  5. 2005Extreme Wildfire Threat8 households applied for aid$22K aid approved
  6. 2003Severe Storms and Tornadoes2 households applied for aid$1K aid approved
Disasters declared, by decade
Paid out in HaskellMuskogee County only

Muskogee 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Muskogee County, 2006–2006.

Were you here?

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

Add to the Haskell archive →
Be ready

Get ready for what Haskell 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 ↗
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 Haskell

Is Haskell at risk for natural disasters?

On FEMA’s National Risk Index, Haskell has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (67%) and hail (10%). 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 Haskell flood?

Flood insurance has paid 1 claim in Haskell since 2022, $97K in all, or 1.2 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record.

Is Haskell 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 Muskogee County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Haskell?

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

By FEMA money that reached Haskell, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2019): 37 households applied for aid, $249K approved.

Is Haskell at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (67%), and Haskell’s rate for it is higher than 70% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Haskell.

Town Square →
Start the conversation

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