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C−Hazard risk
Natural hazards in Rush Springs · FEMA

FEMA puts Rush Springs’s expected hazard damage per building above that of 82% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Rush Springs gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (47%), then tornadoes (18%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 47%Tornadoes 18%Wildfire 13%

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 82%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 82% of U.S. towns
Main hazard
River and rain flooding
47% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
9
of 29 declared for Grady County
By hazard

What Rush Springs 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

47%of expected building damage
Above average · higher than 62% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 3 years in the area

Wildfire

13%of expected building damage
Well above average · in the top 3% of U.S. census tracts

Hail

12%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 12 times a year in the area
Smaller shares here
 Earthquakes Strong wind Cold waves top 2% Winter storms 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 cold waves at 16% of Rush Springs’ expected losses. Cold waves do little damage to buildings (0.2%), 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 Rush Springs’ grade

River and rain flooding is 47% of the building damage FEMA expects in Rush Springs, and Rush Springs’ rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 1% of U.S. census tracts.

Where Rush Springs sits
Rush Springs
Least damageMiddleMost damage

C− higher expected damage per building than 82% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding47%Tornadoes18%Wildfire13%Everything else22%

In dollars, FEMA expects about $699K a year in losses across Rush Springs: $370K to buildings, the rest to people and crops.

Shared tract.All of Rush Springs’ 997 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Rush Springs flood? No paid flood claims on record

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

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

Insurance rates: Grady County.
What’s been done with FEMA grants
25storm safe rooms built
Disasters

9 federal disasters brought FEMA money to Rush Springs

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

  1. 2016Severe Storms and Flooding$2K to the Town of Rush Springs for repairs
  2. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding9 households applied for aid$11K aid approved$29K to the Town of Rush Springs for repairs
  3. 2010Severe Winter Storm$50K to the Town of Rush Springs for repairs
  4. 2007Severe Winter Storms$16K to the Town of Rush Springs for repairs
  5. 2007Severe Storms, Tornadoes, and Flooding3 households applied for aid$5K aid approved
  6. 2007Severe Storms, Flooding, and Tornadoes3 households applied for aid$3K aid approved
Show all 9
  1. 2007Severe Storms, Tornadoes and Flooding$6K to the Town of Rush Springs for repairs
  2. 2003Severe Storms and Tornadoes2 households applied for aid$983 aid approved
  3. 2000Severe Winter Ice Storm$16K to the Town of Rush Springs for repairs
Disasters declared, by decade
Paid out in Rush SpringsGrady County only

Grady County has had 29 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 Grady County, 2025–2025.

Were you here?

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

Add to the Rush Springs archive →
Be ready

Get ready for what Rush Springs 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 Rush Springs

Is Rush Springs at risk for natural disasters?

On FEMA’s National Risk Index, Rush Springs has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (47%) and tornadoes (18%). 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 Rush Springs 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 Grady County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Rush Springs?

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

By FEMA money that reached Rush Springs, Severe Winter Storm (2010): $50K to the Town of Rush Springs for repairs.

Is Rush Springs at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (47%), and Rush Springs’ rate for it is higher than 62% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rush Springs.

Town Square →
Start the conversation

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