Photo: TulGuy · CC BY 4.0FEMA expects more hazard damage per building in Kellyville than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kellyville gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then wildfire (17%). FEMA’s files show no paid flood insurance claims here.
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 stands out about Kellyville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Kellyville 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
Wildfire
Ice storms
Hail
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 Kellyville’s grade
River and rain flooding is 56% of the building damage FEMA expects in Kellyville, and Kellyville’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Wildfire adds 17%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
Kellyville’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $665K a year in losses across Kellyville: $329K to buildings, the rest to people and crops.
Does Kellyville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kellyville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kellyville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Creek County.3 federal disasters brought FEMA money to Kellyville
Disasters that paid out in Kellyville itself (aid to households or repair grants to the Town of Kellyville), newest first, with that year’s flood claims.
- 2025Wildfires and Straight-line Winds1 households applied for aid$7K aid approved
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding9 households applied for aid$8K aid approved
- 2005Extreme Wildfire Threat6 households applied for aid$30K aid approved
Creek County has had 25 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 14 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Creek County, 2000–2025.
Old photos of Kellyville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kellyville archive →Kellyville and its neighbors
Kellyville is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sapulpa | C−more damage than 78% | river and rain flooding | 172 |
| Kellyville | Dmore damage than 86% | river and rain flooding | 0 |
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 Kellyville 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.
- 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.
- 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.
- 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.
- 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 Kellyville
Is Kellyville at risk for natural disasters?
On FEMA’s National Risk Index, Kellyville has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (56%) and wildfire (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kellyville 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 Creek County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Kellyville?
FEMA’s Community Rating System list shows no discount for Kellyville’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 Kellyville?
By FEMA money that reached Kellyville, Extreme Wildfire Threat (2005): 6 households applied for aid, $30K approved.
Is Kellyville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (56%), and Kellyville’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kellyville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kellyville’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.