Creek County, Oklahoma
Natural disaster risk, federal disaster history and flood insurance facts.
Creek County, Oklahoma has a moderate overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 83% of US counties. It ranks 8th of 77 counties in Oklahoma. The costliest hazards here are inland flooding, tornadoes and cold waves. FEMA estimates about $44 million a year in expected losses, or roughly $615 per resident. Since 1971 it has been included in 45 federal disaster or emergency declarations for natural events (24 major disasters). The most recent was in May 2025 (wildfires and straight-line winds). Fewer than 1 in 100 homes here carry federal flood insurance (101 policies). Since 1978, federal flood insurance has paid about $3.0 million on 259 claims here, including $1.9 million for floods in 2000.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Creek County
- 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.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 72.2 | $13M | ||
| Tornado | 92.9 | $8M | ||
| Cold wave | 92.2 | $7M | ||
| Heat wave | 94.6 | $5M | ||
| Ice storm | 98.9 | $3M | ||
| Hail | 94.7 | $2M | ||
| Wildfire | 93.8 | $2M | ||
| Strong wind | 89.6 | $2M | ||
| Drought | 70.6 | $473K | ||
| Earthquake | 56.3 | $339K | ||
| Lightning | 61.3 | $307K | ||
| Winter weather | 86.1 | $264K | ||
| Landslide | 77.2 | $10K | ||
| Hurricane | 15.7 | $4K |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively moderate in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Creek County. 2020s bar runs to November 2026.
By type
Most recent
Show all 45
Oklahoma also had 43 statewide declarations that did not name single counties.
Storm history since 1954
Tornado risk by county ›The National Weather Service has logged 1,039 storm reports in Creek County since 1954, with 27 deaths and 294 injuries and about $65.5 million in reported damage. The strongest on record here was an F5 tornado on May 5, 1960.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| May 5, 1960 | F5 | – | 81 / 5 |
| May 5, 1960 | F5 | – | 0 / 0 |
| Jun 8, 1974 | F4 | – | 135 / 13 |
| Apr 29, 1984 | F4 | – | 20 / 0 |
| May 1, 1954 | F4 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Apr 29, 1984 | Tornado | – | $25M |
| May 3, 1999 | Tornado | Sapulpa | $7M |
| May 6, 2000 | Flash Flood | East Portion | $5M |
| Jun 8, 1974 | Tornado | – | $3M |
| Apr 2, 1956 | Tornado | – | $3M |
| May 5, 1960 | Tornado | – | $3M |
Source: NOAA Storm Events Database, county-based reports through Jul 4, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Creek County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Creek County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 31,629 housing units.
Compare in Oklahoma
All 77 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Oklahoma County | Inland flooding | |
| Tulsa County | Inland flooding | |
| Cleveland County | Inland flooding | |
| Canadian County | Inland flooding | |
| Comanche County | Inland flooding | |
| Rogers County | Inland flooding | |
| Payne County | Cold wave | |
| Wagoner County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Tulsa County | 38 | |
| Payne County | 37 | |
| Okmulgee County | 38 | |
| Lincoln County | 43 | |
| Pawnee County | 34 | |
| Okfuskee County | 38 |
Common questions about Creek County
What is the biggest natural hazard in Creek County?
Inland flooding has the highest expected yearly losses in Creek County, about $12.5 million a year in FEMA's estimate. Tornado is second at $8.1 million.
How many federal disasters has Creek County had?
Creek County has been included in 45 federal disaster or emergency declarations for natural events since 1971, including 24 major disasters. The most recent was Wildfires and Straight-Line Winds in May 2025.
Is Creek County a high-risk place to live?
Its overall rating is Relatively Moderate, 8th highest of 77 in Oklahoma. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Creek County?
Standard home insurance does not cover flooding. About 1 in 333 homes in Creek County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Creek County had?
NOAA records list 78 tornadoes in Creek County since 1950. The strongest was an F5 tornado on May 5, 1960. The weather service has also logged 512 hail reports and 62 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.