Hopewell Baptist Church · Photo: Rocketchess · CC BY-SA 3.0For tornadoes, The Village’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, The Village gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #14 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (57%), then tornadoes (19%). Flood insurance has paid 5 claims here since 2013.
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
What The Village 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
Tornadoes
Hail
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.
What’s behind The Village’s grade
River and rain flooding is 57% of the building damage FEMA expects in The Village, and The Village’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Tornadoes add 19%, at a rate in the top 2% of U.S. census tracts.
B− #14 of 131 in Oklahoma; higher expected damage per building than 54% of U.S. towns (21,298).
The Village’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, The Village has less expected damage per building than 90% of Oklahoma towns.
In dollars, FEMA expects about $3.3M a year in losses across The Village: $2.2M to buildings, the rest to people and crops.
Does The Village flood? Rarely: 5 flood claims since 2013
Every paid claim on a federal flood insurance policy in The Village, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
The Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oklahoma County.12 federal disasters brought FEMA money to The Village
Disasters that paid out in The Village itself (aid to households or repair grants to the City of The Village), newest first, with that year’s flood claims.
- 2020Severe Winter Storm$1.0M to the City of The Village for repairs
- 2015Severe Winter Storms and Flooding$527K to the City of The Village for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$68K to the City of The Village for repairs
- 2010Severe Storms, Tornadoes, Straight-line Winds, and Flooding$38K to the City of The Village for repairs
- 2007Severe Winter Storms$105K to the City of The Village for repairs
- 2007Severe Storms, Flooding, and Tornadoes$164K to the City of The Village for repairs
Show all 12
- 2005Extreme Wildfire Threat$2K to the City of The Village for repairs
- 2003Severe Storms and Tornadoes$15K to the City of The Village for repairs
- 2002Severe Winter Ice Storm$123K to the City of The Village for repairs
- 2001Severe Storms, Flooding, and Tornadoes$25K to the City of The Village for repairs
- 2000Severe Winter Ice Storm$17K to the City of The Village for repairs
- 1999Ok, Tornadoes 5/3/99$5K to the City of The Village for repairs
Oklahoma 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 14 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Oklahoma County, 2005–2026.
Old photos of The Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the The Village archive →The Village and its neighbors
The Village has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| The Village | B−more damage than 54% | river and rain flooding | 5 |
| Nichols Hills | C+more damage than 63% | river and rain flooding | 13 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what The Village faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in The Village
Is The Village at risk for natural disasters?
On FEMA’s National Risk Index, The Village has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #14 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (57%) and tornadoes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does The Village flood?
Flood insurance has paid 5 claims in The Village since 2013, $52K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is The Village 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 Oklahoma County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in The Village?
FEMA’s Community Rating System list shows no discount for The Village’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 The Village?
By FEMA money that reached The Village, Severe Winter Storm (2020): $1.0M to the City of The Village for repairs.
Is The Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and The Village’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in The Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where The Village’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.