Photo: Todd Johnson · CC BY-SA 4.0On FEMA’s figures, Muldrow faces more hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Muldrow gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #115 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (51%), then wildfire (25%). Flood insurance has paid 3 claims here since 2001.
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 Muldrow’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Muldrow 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
Tornadoes
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 Muldrow’s grade
River and rain flooding is 51% of the building damage FEMA expects in Muldrow, and Muldrow’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Wildfire adds 25%, at a rate in the top 2% of U.S. census tracts.
C− #115 of 131 in Oklahoma; higher expected damage per building than 85% of U.S. towns (21,298).
Muldrow’s residents live in 2 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, Muldrow has more expected damage per building than 88% of Oklahoma towns.
In dollars, FEMA expects about $2.1M a year in losses across Muldrow: $894K to buildings, the rest to people and crops.
Does Muldrow flood? Rarely: 3 flood claims since 2001
Every paid claim on a federal flood insurance policy in Muldrow, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Muldrow isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sequoyah County.3 federal disasters brought FEMA money to Muldrow
Disasters that paid out in Muldrow itself (aid to households or repair grants to the Town of Muldrow), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding19 households applied for aid$71K aid approved
- 2008Severe Storms, Tornadoes, and Flooding$19K to the Town of Muldrow for repairs
- 2000Severe Winter Ice Storm$49K to the Town of Muldrow for repairs
Sequoyah County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Muldrow after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Muldrow archive →Get ready for what Muldrow 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.
- 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.
- 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 Muldrow
Is Muldrow at risk for natural disasters?
On FEMA’s National Risk Index, Muldrow has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #115 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (51%) and wildfire (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Muldrow flood?
Flood insurance has paid 3 claims in Muldrow since 2001, $11K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Muldrow 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 Sequoyah County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Muldrow?
FEMA’s Community Rating System list shows no discount for Muldrow’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 Muldrow?
By FEMA money that reached Muldrow, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2019): 19 households applied for aid, $71K approved.
Is Muldrow at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Muldrow’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Muldrow.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Muldrow’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.