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C+Hazard risk
Natural hazards in Tishomingo · FEMA

Tishomingo’s building-damage rate from tornadoes is in the top 3% of U.S. census tracts

On FEMA’s National Risk Index, Tishomingo gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #35 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (46%), then tornadoes (17%). Flood insurance has paid 2 claims here since 2015.

River and rain flooding 46%Tornadoes 17%Ice storms 15%

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 63%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#35 of 131 in Oklahoma
Hazard risk
C+#35 of 131
in Oklahoma · higher than 63% of U.S. towns
Main hazard
River and rain flooding
46% of expected building damage
Flood claims
2
paid since 2015 · $188K
Disasters paid out here
8
of 15 declared for Johnston County
By hazard

What Tishomingo 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

46%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 3% of U.S. census tracts

Ice storms

15%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area

Hail

12%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 7 times a year in the area
Smaller shares here
 Strong wind Earthquakes Wildfire Winter storms Cold waves top 2% 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 heat waves at 13% of Tishomingo’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.
Hazard risk grade

What’s behind Tishomingo’s grade

River and rain flooding is 46% of the building damage FEMA expects in Tishomingo, and Tishomingo’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 3% of U.S. census tracts.

Where Tishomingo sits
Tishomingo
Least damageMiddleMost damage

C+ #35 of 131 in Oklahoma; higher expected damage per building than 63% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding46%Tornadoes17%Ice storms15%Everything else22%

The typical Oklahoma town has higher expected damage than 69% of U.S. towns; within the state, Tishomingo has less expected damage per building than 74% of Oklahoma towns.

In dollars, FEMA expects about $1.3M a year in losses across Tishomingo: $759K to buildings, the rest to people and crops.

Shared tract.All of Tishomingo’s 3,101 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 Tishomingo flood? Rarely: 2 flood claims since 2015

Every paid claim on a federal flood insurance policy in Tishomingo, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2015: 2 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2015
20152026
Biggest named events
  • Tropical Storm Bill1 claim · $106K
  • The Early summer storms1 claim · $82K
2
paid claims since 2015
$188K
paid to owners
0
homes flooded more than once
$94K
average claim
of all homes are insured
No community discount

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

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

8 federal disasters brought FEMA money to Tishomingo

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding8 households applied for aid$38K aid approved$40K to the City of Tishomingo for repairs
  2. 2017Severe Storms, Tornadoes, Straight-line Winds, and Flooding$28K to the City of Tishomingo for repairs
  3. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding99 households applied for aid$339K aid approved$350K to the City of Tishomingo for repairs2 flood claims paid that year
  4. 2008Severe Storms, Tornadoes, and Flooding$34K to the City of Tishomingo for repairs
  5. 2007Severe Storms, Flooding, and Tornadoes$22K to the City of Tishomingo for repairs
  6. 2005Extreme Wildfire Threat$911 to the City of Tishomingo for repairs
Show all 8
  1. 2001Severe Storms, Flooding, and Tornadoes$47K to the City of Tishomingo for repairs
  2. 2000Severe Winter Ice Storm$22K to the City of Tishomingo for repairs
Disasters declared, by decade
Paid out in TishomingoJohnston County only

Johnston County has had 15 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.

Were you here?

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

Add to the Tishomingo archive →
Be ready

Get ready for what Tishomingo 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 ↗
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 Tishomingo

Is Tishomingo at risk for natural disasters?

On FEMA’s National Risk Index, Tishomingo has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #35 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (46%) and tornadoes (17%). 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.

Does Tishomingo flood?

Flood insurance has paid 2 claims in Tishomingo since 2015, $188K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Bill (1).

Is Tishomingo 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 Johnston County, 0.0% of all homes carry federal flood insurance.

How much is flood insurance in Tishomingo?

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

By FEMA money that reached Tishomingo, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 99 households applied for aid, $339K approved, and $350K to the City of Tishomingo for repairs. By flood claims, Tropical Storm Bill: 1 paid, $106K.

Is Tishomingo at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (46%), and Tishomingo’s rate for it is lower than 62% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Tishomingo.

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