Carter County, Oklahoma: hazard risk
FEMA rates Carter County's overall risk Relatively Low (score 74.9 of 100, higher than 74% of rated U.S. counties); 4 of its 14 hazards are rated Relatively High or Very High, led by tornado, hail, ice storm. Its storm record holds 1,166 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Tornado | Relatively High | 94.0 | $8.6M |
| Hail | Relatively High | 94.0 | $2.1M |
| Ice Storm | Relatively High | 91.9 | $920K |
| Strong Wind | Relatively High | 85.6 | $1.3M |
| Heat Wave | Relatively Moderate | 91.9 | $2.9M |
| Drought | Relatively Moderate | 82.9 | $909K |
| Winter Weather | Relatively Moderate | 69.6 | $106K |
| Lightning | Relatively Moderate | 57.1 | $250K |
| Wildfire | Relatively Low | 88.4 | $902K |
| Earthquake | Relatively Low | 65.0 | $500K |
| Riverine Flooding | Relatively Low | 63.4 | $8.3M |
| Cold Wave | Relatively Low | 59.6 | $1.1M |
| Landslide | Very Low | 58.7 | $2K |
| Hurricane | Very Low | 42.8 | $31K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 515 | 0 | $22K | 14th of 77 | 79th of 3,080 |
| Severe thunderstorm wind | 270 | 0 | $16M | 28th of 77 | 1232nd of 3,080 |
| Heat | 99 | 5 | – | 14th of 77 | 238th of 3,076 |
| Drought | 88 | 0 | $14M | 37th of 77 | 258th of 3,063 |
| Tornadoes | 65 | 14 | $43M | 32nd of 77 | 392nd of 3,080 |
| Floods | 42 | 1 | $8.6M | 47th of 77 | 2045th of 3,080 |
| Winter storms | 37 | 1 | $3.1M | 62nd of 77 | 2321st of 3,077 |
| High wind and dust storms | 12 | 0 | $62K | 49th of 77 | 2078th of 3,080 |
| Extreme cold | 11 | 0 | – | 25th of 77 | 1523rd of 3,076 |
| Lightning | 10 | 0 | $343K | 8th of 77 | 592nd of 3,080 |
| Wildfires | 7 | 1 | $193K | 30th of 77 | 321st of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Carter County record: every hazard by year and month, the deadliest events and FEMA's declarations.