Photo: kennethaw88 · CC BY 4.0FEMA puts Wewoka’s expected hazard damage per building above that of 75% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Wewoka gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns, #92 of 131 in Oklahoma. Most of that expected damage is river and rain flooding (38%), then hail (26%). FEMA’s files show no paid flood insurance claims here.
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 stands out about Wewoka’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Wewoka 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
Hail
Wildfire
Tornadoes
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 Wewoka’s grade
River and rain flooding is 38% of the building damage FEMA expects in Wewoka, and Wewoka’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Hail adds 26%, at a rate in the top 1% of U.S. census tracts.
C #92 of 131 in Oklahoma; higher expected damage per building than 75% of U.S. towns (21,298).
Wewoka’s residents live in 2 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, Wewoka has more expected damage per building than 70% of Oklahoma towns.
In dollars, FEMA expects about $1.6M a year in losses across Wewoka: $806K to buildings, the rest to people and crops.
Does Wewoka flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wewoka. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wewoka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Seminole County.12 federal disasters brought FEMA money to Wewoka
Disasters that paid out in Wewoka itself (aid to households or repair grants to the City of Wewoka), newest first, with that year’s flood claims.
- 2022Severe Storms, Tornadoes, and Flooding63 households applied for aid$116K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding72 households applied for aid$95K aid approved
- 2013Severe Storms, Tornadoes, and Flooding$32K to the City of Wewoka for repairs
- 2010Severe Storms, Tornadoes, and Straight-line Winds25 households applied for aid$36K aid approved
- 2010Severe Winter Storm$44K to the City of Wewoka for repairs
- 2007Severe Storms, Tornadoes, and Flooding4 households applied for aid$2K aid approved
Show all 12
- 2007Severe Storms, Flooding, and Tornadoes36 households applied for aid$51K aid approved$21K to the City of Wewoka for repairs
- 2007Severe Storms, Tornadoes and Flooding$3K to the City of Wewoka for repairs
- 2007Severe Winter Storms$4K to the City of Wewoka for repairs
- 2005Extreme Wildfire Threat19 households applied for aid$10K aid approved$3K to the City of Wewoka for repairs
- 2003Severe Storms and Tornadoes6 households applied for aid$10K aid approved
- 2000Severe Winter Ice Storm$86K to the City of Wewoka for repairs
Seminole County has had 23 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 Seminole County, 2005–2005.
Old photos of Wewoka after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wewoka archive →Wewoka and its neighbors
Wewoka has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wewoka | Cmore damage than 75% | river and rain flooding | 0 |
| Dixon | — | 150 residents; we grade 1,000+ | |
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 Wewoka 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.
- 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.
- 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.
- 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.
- 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 Wewoka
Is Wewoka at risk for natural disasters?
On FEMA’s National Risk Index, Wewoka has higher expected damage per building than 75% of U.S. towns: C for hazard risk, #92 of 131 in Oklahoma. Most of the expected damage is river and rain flooding (38%) and hail (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Wewoka 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 Seminole County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Wewoka?
FEMA’s Community Rating System list shows no discount for Wewoka’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 Wewoka?
By FEMA money that reached Wewoka, Severe Storms, Tornadoes, and Flooding (2022): 63 households applied for aid, $116K approved.
Is Wewoka at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (38%), and Wewoka’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wewoka.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wewoka’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.