FEMA Records
20
Above median
Oklahoma · FEMA + NOAA + National Risk Index
Harmon County, OK
20 FEMA disaster declarations (1995-2021), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Ice Storm.
- 20
- FEMA declarations
- 13
- Major disasters
- 10
- NRI risk · Very Low
- Severe Ice Storm
- Top hazard
The verdict
Harmon County has a nationally busy FEMA history: 20 declarations, more than 46% of counties in this registry. But the state comparison tempers that reading: the total is 38% below the Oklahoma county mean. FEMA's separate National Risk Index places the county safer than 10%; that score models loss and vulnerability rather than counting declarations.
- Safer than 10%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 20
- FEMA declarations vs 21 national county avg
- 27
- 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.
FEMA OpenFEMA declaration desk
County FIPS 40057 · Harmon County 20 declarations · rank 1612/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-HEAVY 20
- MAJOR-MID 65%
- RANK-LOWER #1,612
- PHOTO-FINISH Monona
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Ice S…
- VS-ST-BELOW -38%
Nearest declaration peer: Monona, IA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Oklahoma state profile
Harmon County in the declaration-count neighbourhood
FEMA declaration records among Harmon County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Cleveland · near 20
Cleveland · near
20 declarations
- Harmon · this county 20
Harmon · this county
20 declarations
- Monona · near 20
Monona · near
20 declarations
- Tallapoosa · near 20
Tallapoosa · near
20 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Harmon County carries 20 FEMA declaration records, ranked 1612 of 3,266 counties in this registry.
How Harmon County's FEMA declaration count compares nationally
Harmon County vs. all counties in this dataset
FEMA disaster declarations, all-time · Harmon County
20 46th percentile higher than 46% 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 · 2026-08-25
Harmon County's FEMA Risk Index score
What does Harmon County's hazard record show?
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 10.2/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $3.3M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Very High) and community resilience (Very Low). Of the 18 hazards FEMA models, Drought stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at 140 modeled event-days per year here, based on 3,549 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 27 claims and $195.4K 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 Harmon County has 20. The gap is 38% 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.
53 /100
Historical Activity Index
High historical activity
Harmon 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) Moderate
14/30
20 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density Moderate
8/25
20 declarations (0.6x state county average of 32)
Major Disaster Share High
16/25
13 of 20 declarations are major disasters (65%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Harmon County
FEMA NRI 8-hazard radar - Harmon 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
65%
Major-heavy
NRI risk score
10
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Harmon 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 |
|---|---|---|
| Drought | Relatively High | 140 modeled event-days per year |
| Hail | Relatively Low | an average of 8.1 times per year |
| Strong Wind | Relatively Moderate | an average of 3.6 times per year |
| Wildfire | Very Low | roughly once every 464 years |
| Ice Storm | Relatively Low | roughly once every 1 years |
| Tornado | Relatively Low | roughly once every 2 years |
| Winter Weather | Relatively Low | an average of 7.3 times per year |
| Heat Wave | Very Low | 9.9 modeled event-days per year |
| Landslide | Very Low | roughly once every 10 years |
| Cold Wave | Very Low | an average of 1.4 times per year |
| Earthquake | Very Low | roughly once every 1,157 years |
| Hurricane | Very Low | roughly once every 174 years |
| Lightning | Very Low | an average of 49 times per year |
| Riverine Flooding | Very Low | roughly once every 6 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Ice Storm 7
Severe Storm 7
Biological 2
Fire 2
Hurricane 1
Tornado 1
What Severe Ice Storm declarations mean here
Severe Ice Storm is the most frequent declaration type on Harmon County's record, 35% of its declarations. Ice storms damage differently from snowstorms: accumulating freezing rain loads power lines and tree limbs until they fail, so the dominant cost is usually infrastructure and extended power loss rather than structural damage to buildings. Outages measured in days, not hours, are the characteristic consequence, which is why these declarations frequently authorise emergency protective measures and debris removal.
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 - 13 65.0%
of all 20 declarations
Emergency - 7 35.0%
of all 20 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2021 | 2 | |
| 2020 | 2 | |
| 2018 | 1 | |
| 2016 | 1 | |
| 2015 | 1 | |
| 2011 | 1 | |
| 2010 | 3 | |
| 2008 | 2 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2002 | 1 | |
| 2001 | 1 | |
| 1995 | 2 | |
Disaster Declarations
How the 20 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 20 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4587 | SEVERE WINTER STORMS | DR | Severe Ice Storm | 2021-02-24 |
| 3555 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2021-02-17 |
| 4530 | COVID-19 PANDEMIC | DR | Biological | 2020-04-05 |
| 3462 | COVID-19 | EM | Biological | 2020-03-13 |
| 4373 | WILDFIRES | DR | Fire | 2018-06-25 |
| 4256 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Storm | 2016-02-10 |
| 4222 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2015-05-26 |
| 3316 | SEVERE WINTER STORM | EM | Severe Storm | 2011-02-02 |
| 1883 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2010-03-05 |
| 1876 | SEVERE WINTER STORM | DR | Severe Storm | 2010-02-25 |
| 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 |
| 3272 | SEVERE WINTER STORMS AND FLOODING | EM | Severe Ice Storm | 2007-01-14 |
| 1623 | EXTREME WILDFIRE THREAT | DR | Fire | 2006-01-10 |
| 3219 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1401 | SEVERE WINTER ICE STORM | DR | Severe Ice Storm | 2002-02-01 |
| 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 |
Storm Events in Oklahoma
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Harmon 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
27
Total Paid
$195.4K
Avg Per Claim
$7.2K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 10.2/100
Expected Annual Loss
Very Low
$3.3M/year
Social Vulnerability
Very High
Community Resilience
Very Low
Hazard Risk Breakdown
Drought Relatively High
Hail Relatively Low
Strong Wind Relatively Moderate
Wildfire Very Low
Ice Storm Relatively Low
Tornado Relatively Low
Winter Weather Relatively Low
Heat Wave Very Low
Landslide Very Low
Cold Wave Very Low
Earthquake Very Low
Hurricane Very Low
Lightning Very Low
Riverine Flooding 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: Drought
Drought is the slowest of the modeled hazards and the least visible: it does its damage to agriculture, water supply and soil over seasons rather than hours, so it rarely produces the kind of single-day damage that drives a disaster declaration. FEMA scores it in event-days per year rather than discrete events for exactly that reason.
Worth noting for Harmon County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively High), while the county's declaration history is led by Severe Ice 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
Harmon County's closest FEMA peer: Washington County, AR
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Harmon County. Record similarity, not a safety rating.
Closest declaration profiles
Harmon County shows 20 FEMA declarations, led by Severe Ice Storm.
Similar Major-disaster share
Harmon County: 13 of 20 of its declarations are Major.
Similar modeled NRI score
Harmon County: NRI composite 10.2 (Very 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 Harmon County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Harmon County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 10.2 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 20. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 20 FEMA declarations, Harmon 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).
Frequently Asked Questions
What is the most common disaster type in Harmon County?
The most common disaster type in Harmon County is Severe Ice Storm, with 7 declarations. Other disaster types include Severe Storm (7), Biological (2), Fire (2).
How does Harmon County's FEMA declaration record compare with the Oklahoma average?
The typical Oklahoma county has 32.2 FEMA declaration records; Harmon County has 20, or 38% fewer. Against the national county mean of 20.7, this county's total is 3% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Harmon County received?
Harmon County has received 13 major disaster declarations, representing 65% of all 20 disaster declarations.
How many flood insurance claims has Harmon County filed?
Harmon County has 27 National Flood Insurance Program (NFIP) claims totaling $195.4K in payments, with an average of $7.2K per claim.
What was the worst year for disasters in Harmon County?
The most active year for disaster declarations in Harmon County was 2010, with 3 declarations. The county has FEMA disaster data spanning 1995 to 2021.
What is the FEMA National Risk Index score for Harmon County?
According to the FEMA National Risk Index, Harmon County, Oklahoma has an overall risk score of 10.2 out of 100 (Very Low). Social vulnerability here rates Very High, while community resilience comes in at Very Low. The Expected Annual Loss (EAL) score is Very Low, representing $3.3M in annualized losses.
Which natural hazard poses the greatest risk to Harmon County?
Based on FEMA NRI data, the highest-risk natural hazard in Harmon County as of the latest release is Drought (risk rating: Relatively High). Other significant hazards include Hail (Relatively Low) and Strong Wind (Relatively Moderate). FEMA's modeled event frequency puts drought here at 140 modeled event-days per year, drawn from 3,549 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.
FEMA OpenFEMA declarations + NRI for Harmon County · vintage 2026-08-25 · Methodology · Oklahoma profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events