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C−Hazard risk
Natural hazards in Prague · FEMA

More hazard damage per building is expected in Prague than in 78% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Prague gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (36%), then tornadoes (21%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 36%Tornadoes 21%Wildfire 18%

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 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Oklahoma · higher than 78% of U.S. towns
Main hazard
River and rain flooding
36% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
11
of 34 declared for Lincoln County

What stands out about Prague’s natural hazards

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

Wildfire: the top 3% of U.S. tractsFEMA’s building-damage rate for wildfire here ranks in the top 3% of U.S. census tracts; it is 17.6% of the damage it expects.Made safer with FEMA grants24 storm safe rooms built with FEMA grants.
By hazard

What Prague 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

36%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

21%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 5 years in the area

Wildfire

18%of expected building damage
Well above average · in the top 3% of U.S. census tracts

Hail

14%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 11 times a year in the area
Smaller shares here
 Earthquakes Strong wind Winter storms Lightning top 4% 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 23% of Prague’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 Prague’s grade

River and rain flooding is 36% of the building damage FEMA expects in Prague, and Prague’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 1% of U.S. census tracts.

Where Prague sits
Prague
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

Prague’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding36%Tornadoes21%Wildfire18%Everything else26%

In dollars, FEMA expects about $1.4M a year in losses across Prague: $635K to buildings, the rest to people and crops.

A small-area figure. Prague covers 2 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 Prague flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Prague. 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

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

Insurance rates: Lincoln County.
What’s been done with FEMA grants
24storm safe rooms built
Disasters

11 federal disasters brought FEMA money to Prague

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

  1. 2023Severe Storms, Straight-line Winds, and Tornadoes4 households applied for aid$277 aid approved
  2. 2020Severe Winter Storm$18K to the City of Prague for repairs
  3. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$710 aid approved
  4. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding9 households applied for aid$2K aid approved
  5. 2013Severe Storms, Tornadoes, and Flooding28 households applied for aid$75K aid approved
  6. 2010Severe Winter Storm$17K to the City of Prague for repairs
Show all 11
  1. 2009Severe Winter Storm$2K to the City of Prague for repairs
  2. 2007Severe Winter Storms$66K to the City of Prague for repairs
  3. 2007Severe Storms, Flooding, and Tornadoes14 households applied for aid$6K aid approved$11K to the City of Prague for repairs
  4. 2003Severe Storms and Tornadoes11 households applied for aid$11K aid approved$25K to the City of Prague for repairs
  5. 2000Severe Winter Ice Storm$6K to the City of Prague for repairs
Disasters declared, by decade
Paid out in PragueLincoln County only

Lincoln County has had 34 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lincoln County, 2006–2025.

Were you here?

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

Add to the Prague archive →
Be ready

Get ready for what Prague 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 ↗
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 ↗
Wildfire
  • 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.
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 Prague

Is Prague at risk for natural disasters?

On FEMA’s National Risk Index, Prague has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (36%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Prague 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 Lincoln County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Prague?

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

By FEMA money that reached Prague, Severe Storms, Tornadoes, and Flooding (2013): 28 households applied for aid, $75K approved.

Is Prague at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (36%), and Prague’s rate for it is lower than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Prague.

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