Muskogee, Oklahoma: natural disaster risk
How exposed Muskogee is to floods, storms and other hazards, from FEMA and NOAA records for Muskogee County.
Muskogee is a city of 36,758 people in Muskogee County, Oklahoma. FEMA's National Risk Index rates Muskogee County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and heat wave, with about $34 million in expected losses a year across the county. The weather service has logged 918 storm reports in the county since 1951, including 64 tornadoes and 93 floods. NOAA hurricane records show 0 hurricanes and 1 tropical storm passing within 65 miles of the county's center. About 0.6% of homes in the county carry federal flood insurance.
Risk figures are for Muskogee County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Muskogee
Full Muskogee County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $13M | |
| Tornado | $6M | |
| Heat wave | $4M | |
| Ice storm | $2M | |
| Hail | $2M | |
| Cold wave | $2M | |
| Drought | $1M | |
| Earthquake | $1M | |
| Strong wind | $1M | |
| Wildfire | $849K | |
| Lightning | $488K | |
| Winter weather | $211K |
Homes in Muskogee
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Muskogee County
Other cities in Oklahoma
All ›Common questions about Muskogee
Is Muskogee safe from natural disasters?
Muskogee is in Muskogee County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, heat wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Muskogee?
By expected yearly losses in Muskogee County, the top hazards are inland flooding (Moderate), tornado (High), heat wave (Moderate). Muskogee County has been part of 32 federal disaster or emergency declarations for natural events.
Does Muskogee get tornadoes?
Yes. NOAA records list 64 tornadoes in Muskogee County since 1950; the strongest was an F4 tornado on May 26, 1973. FEMA rates tornado risk in the county high.
Do I need flood insurance in Muskogee?
Standard home insurance does not cover floods. In Muskogee County, about 0.6% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.