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Meloy HouseMeloy House · Photo: Melodibit · CC BY-SA 3.0
C+Hazard risk
Natural hazards in Mustang · FEMA

For hail, Mustang’s building-damage rate is in the top 4% of U.S. census tracts

On FEMA’s National Risk Index, Mustang gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #17 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (52%), then hail (17%). Flood insurance has paid 7 claims here since 1993.

River and rain flooding 52%Hail 17%Ice storms 14%

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 56%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#17 of 131 in Oklahoma
Hazard risk
C+#17 of 131
in Oklahoma · higher than 56% of U.S. towns
Main hazard
River and rain flooding
52% of expected building damage
Flood claims
7
paid since 1993 · $133K
Flooded more than once
1
properties · 1 “severe repetitive loss”
Disasters paid out here
16
of 31 declared for Canadian County
By hazard

What Mustang 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

52%of expected building damage
About average · lower than 60% of U.S. census tracts
Recorded about once a year in the area

Hail

17%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 11 times a year in the area

Ice storms

14%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Smaller shares here
 Earthquakes Wildfire Strong wind Winter storms Lightning Cold waves Hurricanes 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 cold waves at 16% of Mustang’s expected losses. Cold waves do little damage to buildings (0.1%), 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 Mustang’s grade

River and rain flooding is 52% of the building damage FEMA expects in Mustang, and Mustang’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Hail adds 17%, at a rate in the top 4% of U.S. census tracts.

Where Mustang sits
Mustang
Least damageMiddleMost damage

C+ #17 of 131 in Oklahoma; higher expected damage per building than 56% of U.S. towns (21,298).

Mustang’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding52%Hail17%Ice storms14%Everything else16%

The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Mustang has less expected damage per building than 88% of Oklahoma towns.

In dollars, FEMA expects about $8.7M a year in losses across Mustang: $4.3M to buildings, the rest to people and crops.

A small-area figure. Mustang covers 4 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 Mustang flood? Rarely: 7 flood claims since 1993

Every paid claim on a federal flood insurance policy in Mustang, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1993: 1 claim1994: 0 claims1995: 1 claim1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 2 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 1 claim2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 1 claim2026: 0 claims199319952007
19932026
Biggest named events
  • The Thunderstorms1 claim · $10K
7
paid claims since 1993
$133K
paid to owners
1
homes flooded more than once
$19K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Canadian County.
What’s been done with FEMA grants
672storm safe rooms built
Disasters

16 federal disasters brought FEMA money to Mustang

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

  1. 2021Severe Winter Storms32 households applied for aid$5K aid approved
  2. 2020Severe Winter Storm$4.8M to the City of Mustang for repairs
  3. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding11 households applied for aid$23K aid approved
  4. 2015Severe Winter Storms and Flooding$1.4M to the City of Mustang for repairs
  5. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding31 households applied for aid$35K aid approved
  6. 2013Severe Storms, Tornadoes, and Flooding143 households applied for aid$43K aid approved$615K to the City of Mustang for repairs1 flood claim paid that year
Show all 16
  1. 2010Severe Winter Storm$5K to the City of Mustang for repairs
  2. 2009Severe Winter Storm$14K to the City of Mustang for repairs
  3. 2007Severe Winter Storms$204K to the City of Mustang for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding8 households applied for aid$3K aid approved$30K to the City of Mustang for repairs
  5. 2007Severe Storms, Flooding, and Tornadoes48 households applied for aid$24K aid approved$54K to the City of Mustang for repairs
  6. 2007Severe Storms, Tornadoes and Flooding$13K to the City of Mustang for repairs
  7. 2007Severe Winter Storms$46K to the City of Mustang for repairs
  8. 2005Extreme Wildfire Threat14 households applied for aid$19K aid approved$2K to the City of Mustang for repairs
  9. 2002Severe Winter Ice Storm$159K to the City of Mustang for repairs
  10. 2001Severe Storms, Flooding, and Tornadoes$88K to the City of Mustang for repairs
Disasters declared, by decade
Paid out in MustangCanadian County only

Canadian County has had 31 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Canadian County, 2011–2026.

Were you here?

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

Add to the Mustang archive →
Be ready

Get ready for what Mustang 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 ↗
Tornado warnings
  • 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.
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 Mustang

Is Mustang at risk for natural disasters?

On FEMA’s National Risk Index, Mustang has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #17 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (52%) and hail (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Mustang flood?

Flood insurance has paid 7 claims in Mustang since 1993, $133K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Thunderstorms (1).

Is Mustang 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 Canadian County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Mustang?

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

By FEMA money that reached Mustang, Severe Winter Storm (2020): $4.8M to the City of Mustang for repairs. By flood claims, Thunderstorms: 1 paid, $10K.

Is Mustang at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (52%), and Mustang’s rate for it is lower than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mustang.

Town Square →
Start the conversation

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