Tulsa, Oklahoma: natural disaster risk
How exposed Tulsa is to floods, storms and other hazards, from FEMA and NOAA records for Tulsa County.
Tulsa is a city of 413,794 people in Tulsa County, Oklahoma. Parts of Tulsa also reach into Rogers County, Wagoner County and Osage County. FEMA's National Risk Index rates Tulsa County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, heat wave and tornado, with about $292 million in expected losses a year across the county. The weather service has logged 2,427 storm reports in the county since 1950, including 98 tornadoes and 307 floods. About 0.7% of homes in the county carry federal flood insurance.
Risk figures are for Tulsa County, the county with most of the population Tulsa sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Tulsa
Full Tulsa 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.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
- 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.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $138M | |
| Heat wave | $76M | |
| Tornado | $37M | |
| Strong wind | $11M | |
| Cold wave | $10M | |
| Hail | $7M | |
| Ice storm | $6M | |
| Earthquake | $5M | |
| Wildfire | $1M | |
| Lightning | $1M | |
| Drought | $576K | |
| Winter weather | $353K |
Homes in Tulsa
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 Tulsa County
More cities in Tulsa County
Other cities in Oklahoma
All ›Common questions about Tulsa
Is Tulsa safe from natural disasters?
Tulsa is in Tulsa County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, heat wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Tulsa?
By expected yearly losses in Tulsa County, the top hazards are inland flooding (High), heat wave (High), tornado (Very High). Tulsa County has been part of 38 federal disaster or emergency declarations for natural events.
Does Tulsa get tornadoes?
Yes. NOAA records list 98 tornadoes in Tulsa County since 1950; the strongest was an F4 tornado on April 24, 1993 near E Tulsa To 1 N. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Tulsa?
Standard home insurance does not cover floods. In Tulsa County, about 0.7% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.