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DHazard risk
Natural hazards in Okeene · FEMA

FEMA expects more hazard damage per building in Okeene than in 89% of U.S. towns, led by hail

On FEMA’s National Risk Index, Okeene gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is hail (30%), then river and rain flooding (28%). FEMA’s files show no paid flood insurance claims here.

Hail 30%River and rain flooding 28%Ice storms 20%

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 89%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Oklahoma · higher than 89% of U.S. towns
Main hazard
Hail
30% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 27 declared for Blaine County

What stands out about Okeene’s natural hazards

From FEMA’s model and FEMA’s records, below.

Hail: the top 1% of U.S. tractsFEMA’s building-damage rate for hail here ranks in the top 1% of U.S. census tracts; it is 30.2% of the damage it expects.Made safer with FEMA grants2 storm safe rooms built with FEMA grants.
By hazard

What Okeene faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hail

30%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 9 times a year in the area

River and rain flooding

28%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about once every 2 years in the area

Ice storms

20%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

10%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 7 years in the area
Smaller shares here
 Earthquakes Wildfire Winter storms Cold waves Lightning 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 drought at 15% of Okeene’s expected losses. Drought does 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.
Hazard risk grade

What’s behind Okeene’s grade

Hail is 30% of the building damage FEMA expects in Okeene, and Okeene’s rate of hail damage is in the top 1% of U.S. census tracts. Ice storms add 20%, at a rate in the top 1% of U.S. census tracts.

Where Okeene sits
Okeene
Least damageMiddleMost damage

D higher expected damage per building than 89% of U.S. towns (21,298).

All of Okeene’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hail30%River and rain flooding28%Ice storms20%Everything else21%

In dollars, FEMA expects about $1.2M a year in losses across Okeene: $749K to buildings, the rest to people and crops.

Shared tract.All of Okeene’s 1,090 residents (2020 census) live in one census tract, which it shares with Homestead CDP (41 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Okeene flood? No paid flood claims on record

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

of all homes are insured
No community discount

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

Insurance rates: Blaine County.
What’s been done with FEMA grants
2storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Okeene

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$26K aid approved
  2. 2015Severe Winter Storms and Flooding$12K to the Town of Okeene for repairs
  3. 2013Severe Winter Storm and Snowstorm$34K to the Town of Okeene for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding1 households applied for aid$1K aid approved$4K to the Town of Okeene for repairs
  5. 2007Severe Storms, Tornadoes and Flooding$4K to the Town of Okeene for repairs
  6. 2002Severe Winter Ice Storm$60K to the Town of Okeene for repairs
Disasters declared, by decade
Paid out in OkeeneBlaine County only

Blaine County has had 27 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Blaine County, 2012–2012.

Were you here?

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

Add to the Okeene archive →
Be ready

Get ready for what Okeene faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

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 ↗
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 ↗
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 Okeene

Is Okeene at risk for natural disasters?

On FEMA’s National Risk Index, Okeene has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is hail (30%) and river and rain flooding (28%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Okeene 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 Blaine County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Okeene?

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

By FEMA money that reached Okeene, Severe Winter Ice Storm (2002): $60K to the Town of Okeene for repairs.

Is Okeene at risk from hail?

It is the largest share of the building damage FEMA expects here (30%), and Okeene’s rate for it is in the top 1% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Okeene.

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