FEMA Records
32
Very high volume
Oklahoma · FEMA + NOAA + National Risk Index
Custer County, OK
32 FEMA disaster declarations (1982-2024), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 32
- FEMA declarations
- 25
- Major disasters
- 62
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Custer County has a nationally busy FEMA history: 32 declarations, more than 89% of counties in this registry. But the state comparison tempers that reading: the total is 1% below the Oklahoma county mean. FEMA's separate National Risk Index places the county in the riskiest 38%; that score models loss and vulnerability rather than counting declarations.
- Riskiest 38%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 32
- FEMA declarations vs 21 national county avg
- 19
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Custer County compare?
Custer County vs. all counties in this dataset
FEMA disaster declarations, all-time
32 Top 11% higher than 89% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Custer County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Oklahoma county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Custer County is led by Tornado (about $6.7M Expected Annual Loss, Historical Loss Ratio Very High), while Ice Storm carries the highest National Risk Index rating (Very High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Custer County's hazard record show?
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 62.0/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $18.8M in annualized losses), and a Relatively High social-vulnerability profile combined with Relatively Moderate community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Ice Storm stands out as the sharpest exposure here, rated Very High. FEMA's modeled frequency puts that hazard at an average of 1.2 times per year here, based on 81 historical events on record.
Declaration frequency
Nationally, Custer County's 32 FEMA records form a high-volume history; within Oklahoma, however, the count is 1% below the county mean. 25 entries carry the Major Disaster classification. The largest incident group is Severe Storm, appearing 13 times. The full 42-year record averages 0.8 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 19 claims and $184.1K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Oklahoma county averages 32.2 federal declaration records, while Custer County has 32. The gap is 1% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
73 /100
Historical Activity Index
High historical activity
Custer County, OK · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Very High
23/30
32 OpenFEMA declarations, full ingest window (1.5x national county average)
County Disaster Density Moderate
12/25
32 declarations (1.0x state county average of 32)
Major Disaster Share Very High
20/25
25 of 32 declarations are major disasters (78%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Custer County
Historical Declaration Activity
Activity Band
High
vs. Oklahoma Avg
-1%
State avg: 32.2
vs. National Avg
+54%
National avg: 20.7
Avg Per Year
0.8
Over 42 years
FEMA NRI 8-hazard radar - Custer County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
78%
Mostly major
NRI risk score
62
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Custer County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Ice Storm | Very High | an average of 1.2 times per year |
| Tornado | Relatively High | roughly once every 1 years |
| Hail | Relatively Moderate | an average of 8.7 times per year |
| Drought | Relatively Moderate | 82 modeled event-days per year |
| Strong Wind | Relatively Moderate | an average of 4.2 times per year |
| Wildfire | Relatively Low | roughly once every 293 years |
| Winter Weather | Relatively Moderate | an average of 9.1 times per year |
| Cold Wave | Relatively Moderate | an average of 2.4 times per year |
| Heat Wave | Relatively Low | 7.5 modeled event-days per year |
| Landslide | Very Low | roughly once every 4 years |
| Earthquake | Very Low | roughly once every 873 years |
| Riverine Flooding | Relatively Low | roughly once every 1 years |
| Hurricane | Very Low | roughly once every 174 years |
| Lightning | Very Low | an average of 49 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 13
Severe Ice Storm 10
Flood 3
Biological 2
Fire 2
Hurricane 1
Tornado 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Custer County's record, 41% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 25 78.1%
of all 32 declarations
Emergency - 7 21.9%
of all 32 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2021 | 3 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2018 | 1 | |
| 2016 | 2 | |
| 2015 | 1 | |
| 2013 | 1 | |
| 2011 | 1 | |
| 2010 | 2 | |
| 2008 | 2 | |
| 2007 | 3 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
Show 6 earlier declaration years
| 2002 | 1 | |
| 2001 | 2 | |
| 1995 | 2 | |
| 1993 | 1 | |
| 1987 | 2 | |
| 1982 | 1 | |
Disaster Declarations
How the 32 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 32 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4791 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2024-06-14 |
| 4587 | SEVERE WINTER STORMS | DR | Severe Ice Storm | 2021-02-24 |
| 3555 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2021-02-17 |
| 4575 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2020-12-21 |
| 4530 | COVID-19 PANDEMIC | DR | Biological | 2020-04-05 |
| 3462 | COVID-19 | EM | Biological | 2020-03-13 |
| 4438 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Severe Storm | 2019-06-01 |
| 4373 | WILDFIRES | DR | Fire | 2018-06-25 |
| 4256 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Storm | 2016-02-10 |
| 4247 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Ice Storm | 2015-12-29 |
| 4222 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2015-05-26 |
| 4109 | SEVERE WINTER STORM AND SNOWSTORM | DR | Severe Storm | 2013-04-08 |
| 3316 | SEVERE WINTER STORM | EM | Severe Storm | 2011-02-02 |
| 1883 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2010-03-05 |
| 3308 | SEVERE WINTER STORM | EM | Severe Storm | 2010-01-30 |
| 1775 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2008-07-09 |
| 3280 | SEVERE WINTER STORMS | EM | Severe Ice Storm | 2007-12-10 |
| 1718 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2007-08-24 |
| 1712 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2007-07-07 |
| 3272 | SEVERE WINTER STORMS AND FLOODING | EM | Severe Ice Storm | 2007-01-14 |
Show 12 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1623 | EXTREME WILDFIRE THREAT | DR | Fire | 2006-01-10 |
| 3219 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1452 | SEVERE ICE STORM | DR | Severe Ice Storm | 2003-02-04 |
| 1401 | SEVERE WINTER ICE STORM | DR | Severe Ice Storm | 2002-02-01 |
| 1384 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2001-06-29 |
| 1355 | SEVERE WINTER ICE STORM | DR | Severe Ice Storm | 2001-01-05 |
| 1066 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1995-09-01 |
| 1058 | TORNADOES, SEVERE STORMS AND FLOODING | DR | Tornado | 1995-06-26 |
| 991 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1993-05-12 |
| 794 | SEVERE STORMS & FLOODING | DR | Flood | 1987-07-09 |
| 778 | SEVERE STORMS & FLOODING | DR | Flood | 1986-10-14 |
| 662 | SEVERE STORMS & FLOODING | DR | Flood | 1982-06-18 |
Storm Events in Oklahoma
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Custer County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Hail | 5,894 | 0 | 1 | $19.8M |
| Thunderstorm Wind | 5,592 | 6 | 36 | $199.5M |
| Drought | 2,935 | 0 | 0 | $0 |
| Heat | 2,134 | 7 | 428 | $0 |
| Excessive Heat | 1,771 | 2 | 401 | $0 |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
19
Total Paid
$184.1K
Avg Per Claim
$9.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 62.0/100
Expected Annual Loss
Relatively Low
$18.8M/year
Social Vulnerability
Relatively High
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Ice Storm Very High
Tornado Relatively High
Hail Relatively Moderate
Drought Relatively Moderate
Strong Wind Relatively Moderate
Wildfire Relatively Low
Winter Weather Relatively Moderate
Cold Wave Relatively Moderate
Heat Wave Relatively Low
Landslide Very Low
Earthquake Very Low
Riverine Flooding Relatively Low
Hurricane Very Low
Lightning Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Ice Storm
Ice storms load power lines and tree limbs with accumulating freezing rain until they fail. The characteristic cost is infrastructure and multi-day power loss across a wide area rather than structural damage to buildings, which is why their consequences often outlast the weather that caused them.
Worth noting for Custer County: the model and the federal record do NOT point at the same hazard. Ice Storm carries the highest modeled rating (Very High), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Custer County's closest FEMA peer: Norman County, MN
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Custer County. Record similarity, not a safety rating.
Closest declaration profiles
Custer County shows 32 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Custer County: 25 of 32 of its declarations are Major.
Similar modeled NRI score
Custer County: NRI composite 62.0 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Custer County - capture-dated entries only.
Further reading for this county
Most disaster-prone counties
With 32 FEMA declarations, Custer County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Custer County?
The most common disaster type in Custer County is Severe Storm, with 13 declarations. Other disaster types include Severe Ice Storm (10), Flood (3), Biological (2).
How does Custer County's FEMA declaration record compare with the Oklahoma average?
The typical Oklahoma county has 32.2 FEMA declaration records; Custer County has 32, or 1% fewer. Against the national county mean of 20.7, this county's total is 54% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Custer County received?
Custer County has received 25 major disaster declarations, representing 78% of all 32 disaster declarations.
How many flood insurance claims has Custer County filed?
Custer County has 19 National Flood Insurance Program (NFIP) claims totaling $184.1K in payments, with an average of $9.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Custer County?
No. In Custer County, Ice Storm has the highest National Risk Index rating (Very High), while Tornado leads Expected Annual Loss at about $6.7M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Custer County?
The most active year for disaster declarations in Custer County was 2007, with 3 declarations. The county has FEMA disaster data spanning 1982 to 2024.
What is the FEMA National Risk Index score for Custer County?
According to the FEMA National Risk Index, Custer County, Oklahoma has an overall risk score of 62.0 out of 100 (Relatively Low). Social vulnerability here rates Relatively High, while community resilience comes in at Relatively Moderate. The Expected Annual Loss (EAL) score is Relatively Low, representing $18.8M in annualized losses.
Which natural hazard poses the greatest risk to Custer County?
Based on FEMA NRI data, the highest-risk natural hazard in Custer County is Ice Storm (risk rating: Very High). Other significant hazards include Tornado (Relatively High) and Hail (Relatively Moderate). FEMA's modeled event frequency puts ice storm here at an average of 1.2 times per year, drawn from 81 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Custer County
Against a Oklahoma county mean of 32 declarations, Custer County, OK records 32, or 1% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (25 of 32) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Oklahoma overview
- Nationally the county exceeds 89% of recorded county totals, but its own Oklahoma benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.