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–Not graded
Natural hazards in Okay · FEMA

Storms, floods and disasters in Okay

Okay isn’t graded for hazard risk: Okay has 408 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 24 declared for Wagoner County
By hazard

What Okay 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

68%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about 2 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

Hail

8%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 9 times a year in the area
Smaller shares here
 Wildfire Tornadoes Earthquakes Strong wind Winter storms top 4% 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 heat waves at 13% of Okay’s expected losses. Heat waves do little damage to buildings (0.0%), 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.
Flood insurance claims

Does Okay flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Okay. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Wagoner County.
What’s been done with FEMA grants
4storm safe rooms built
Disasters

3 federal disasters brought FEMA money to Okay

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

  1. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding13 households applied for aid$33K aid approved
  2. 2007Severe Winter Storms$14K to the Town of Okay for repairs
  3. 2000Severe Winter Ice Storm$6K to the Town of Okay for repairs
Disasters declared, by decade
Paid out in OkayWagoner County only

Wagoner 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Wagoner County, 2017–2017.

Were you here?

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

Add to the Okay archive →
Be ready

Get ready for what Okay 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 ↗
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 Okay

Is Okay 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 Wagoner County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Okay?

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

By FEMA money that reached Okay, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2019): 13 households applied for aid, $33K approved.

Storm stories

Memories, warnings and help from neighbors in Okay.

Town Square →
Start the conversation

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