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Nichols ParkNichols Park · Photo: OkmulgeeNews · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Henryetta · FEMA

FEMA expects more hazard damage per building in Henryetta than in 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Henryetta gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #111 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (55%), then ice storms (17%). Flood insurance has paid 39 claims here since 1985.

River and rain flooding 55%Ice storms 17%Wildfire 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 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#111 of 131 in Oklahoma
Hazard risk
C−#111 of 131
in Oklahoma · higher than 84% of U.S. towns
Main hazard
River and rain flooding
55% of expected building damage
Flood claims
39
paid since 1985 · $941K
Flooded more than once
4
properties
Disasters paid out here
15
of 30 declared for Okmulgee County

What stands out about Henryetta’s natural hazards

From FEMA’s model and FEMA’s records, below.

Made safer with FEMA grants20 storm safe rooms built with FEMA grants.Remembers 201316 flood claims were paid for 2013 alone, the most of any year.
By hazard

What Henryetta 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

55%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about 3 times a year in the area

Ice storms

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

Wildfire

10%of expected building damage
Well above average · in the top 4% of U.S. census tracts

Hail

9%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 9 times a year in the area
Smaller shares here
 Tornadoes Earthquakes Strong wind Winter storms top 3% Lightning Hurricanes 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 16% of Henryetta’s expected losses. Tornadoes do little damage to buildings (4.0%), 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 Henryetta’s grade

River and rain flooding is 55% of the building damage FEMA expects in Henryetta, and Henryetta’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Ice storms add 17%, at a rate in the top 1% of U.S. census tracts.

Where Henryetta sits
Henryetta
Least damageMiddleMost damage

C− #111 of 131 in Oklahoma; higher expected damage per building than 84% of U.S. towns (21,298).

Henryetta’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding55%Ice storms17%Wildfire10%Everything else17%

The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Henryetta has more expected damage per building than 85% of Oklahoma towns.

In dollars, FEMA expects about $3.6M a year in losses across Henryetta: $2.2M to buildings, the rest to people and crops.

A small-area figure. Henryetta covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Henryetta flood? Sometimes: 39 flood claims since 1985

Every paid claim on a federal flood insurance policy in Henryetta, from FEMA’s records: 14.0 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1985: 1 claim1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 9 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 3 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 2 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 16 claims2014: 0 claims2015: 2 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 3 claims2023: 1 claim2024: 0 claims2025: 0 claims2026: 0 claims199220012013
19852026
Biggest named events
  • The Thunderstorms2 claims · $7K
39
paid claims since 1985
$941K
paid to owners
4
homes flooded more than once
$24K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Okmulgee County.
What’s been done with FEMA grants
20storm safe rooms built
Disasters

15 federal disasters brought FEMA money to Henryetta

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding19 households applied for aid$23K aid approved
  2. 2022Severe Storms, Tornadoes, and Flooding38 households applied for aid$66K aid approved3 flood claims paid that year
  3. 2021Severe Winter Storms43 households applied for aid$31K aid approved
  4. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding31 households applied for aid$10K aid approved
  5. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding34 households applied for aid$27K aid approved$81K to the City of Henryetta for repairs2 flood claims paid that year
  6. 2013Severe Storms, Tornadoes, and Flooding51 households applied for aid$124K aid approved$35K to the City of Henryetta for repairs16 flood claims paid that year
Show all 15
  1. 2010Severe Storms, Tornadoes, and Straight-line Winds4 households applied for aid$3K aid approved$50K to the City of Henryetta for repairs
  2. 2010Severe Winter Storm$11K to the City of Henryetta for repairs
  3. 2009Severe Winter Storm$15K to the City of Henryetta for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding8 households applied for aid$466 aid approved
  5. 2007Severe Storms, Flooding, and Tornadoes14 households applied for aid$4K aid approved$43K to the City of Henryetta for repairs
  6. 2007Severe Winter Storms$44K to the City of Henryetta for repairs
  7. 2005Extreme Wildfire Threat6 households applied for aid$45K aid approved
  8. 2003Severe Storms and Tornadoes16 households applied for aid$7K aid approved
  9. 2000Severe Winter Ice Storm$89K to the City of Henryetta for repairs
Disasters declared, by decade
Paid out in HenryettaOkmulgee County only

Okmulgee County has had 30 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 Okmulgee County, 2006–2006.

Were you here?

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

Add to the Henryetta archive →
Next door

Henryetta and its neighbors

Henryetta has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Dewar: not gradedDewarHenryetta
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HenryettaC−more damage than 84%river and rain flooding39
Dewar—764 residents; we grade 1,000+

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 Henryetta 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 ↗
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 ↗
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 ↗
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 ↗
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 Henryetta

Is Henryetta at risk for natural disasters?

On FEMA’s National Risk Index, Henryetta has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #111 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (55%) and ice storms (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Henryetta flood?

Flood insurance has paid 39 claims in Henryetta since 1985, $941K in all, or 14.0 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Thunderstorms (2).

Is Henryetta 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 Okmulgee County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Henryetta?

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

By FEMA money that reached Henryetta, Severe Storms, Tornadoes, and Flooding (2013): 51 households applied for aid, $124K approved, and $35K to the City of Henryetta for repairs. By flood claims, Thunderstorms: 2 paid, $7K.

Is Henryetta at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (55%), and Henryetta’s rate for it is higher than 74% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Henryetta.

Town Square →
Start the conversation

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