FEMA puts Lone Grove’s expected hazard damage per building above that of 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lone Grove gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #72 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (51%), then tornadoes (15%). Flood insurance has paid 13 claims here since 1981.
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 Lone 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
Tornadoes
Hail
Wildfire
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 Lone Grove’s grade
River and rain flooding is 51% of the building damage FEMA expects in Lone Grove, and Lone Grove’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 4% of U.S. census tracts.
C #72 of 131 in Oklahoma; higher expected damage per building than 70% of U.S. towns (21,298).
Lone Grove’s residents live in 3 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, Lone Grove has more expected damage per building than 55% of Oklahoma towns.
In dollars, FEMA expects about $3.0M a year in losses across Lone Grove: $1.6M to buildings, the rest to people and crops.
Does Lone Grove flood? Sometimes: 13 flood claims since 1981
Every paid claim on a federal flood insurance policy in Lone Grove, from FEMA’s records: 6.3 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Bill5 claims · $282K
Lone 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: Carter County.8 federal disasters brought FEMA money to Lone Grove
Disasters that paid out in Lone Grove itself (aid to households or repair grants to the City of Lone Grove), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding17 households applied for aid$33K aid approved
- 2021Severe Winter Storms11 households applied for aid$5K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding40 households applied for aid$105K aid approved$27K to the City of Lone Grove for repairs5 flood claims paid that year
- 2010Severe Storms, Tornadoes, and Straight-line Winds2 households applied for aid$7K aid approved
- 2009Severe Storms and Tornadoes136 households applied for aid$933K aid approved$427K to the City of Lone Grove for repairs
- 2003Severe Storms and Tornadoes56 households applied for aid$36K aid approved
Show all 8
- 2000Severe Winter Ice Storm$117K to the City of Lone Grove for repairs
- 2000Severe Storms and Flooding$50K to the City of Lone Grove for repairs
Carter County has had 24 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 Carter County, 2005–2026.
Old photos of Lone Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lone Grove archive →Get ready for what Lone 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.
- 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.
- 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.
- 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.
- 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 Lone Grove
Is Lone Grove at risk for natural disasters?
On FEMA’s National Risk Index, Lone Grove has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #72 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (51%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lone Grove flood?
Flood insurance has paid 13 claims in Lone Grove since 1981, $491K in all, or 6.3 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Bill (5).
Is Lone 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 Carter County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lone Grove?
FEMA’s Community Rating System list shows no discount for Lone 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 Lone Grove?
By FEMA money that reached Lone Grove, Severe Storms and Tornadoes (2009): 136 households applied for aid, $933K approved, and $427K to the City of Lone Grove for repairs. By flood claims, Tropical Storm Bill: 5 paid, $282K.
Is Lone Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Lone Grove’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lone Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lone 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.