Coal County, Oklahoma: hazard risk
FEMA rates Coal County's overall risk Very Low (score 32.4 of 100, higher than 32% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by hail. Its storm record holds 509 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 |
|---|---|---|---|
| Hail | Relatively High | 96.9 | $2.3M |
| Drought | Relatively Moderate | 83.2 | $640K |
| Ice Storm | Relatively Moderate | 79.3 | $217K |
| Wildfire | Relatively Low | 86.8 | $484K |
| Tornado | Relatively Low | 52.5 | $771K |
| Heat Wave | Relatively Low | 49.0 | $203K |
| Cold Wave | Relatively Low | 31.7 | $261K |
| Landslide | Very Low | 56.0 | $1K |
| Earthquake | Very Low | 31.6 | $51K |
| Hurricane | Very Low | 26.7 | $6K |
| Winter Weather | Very Low | 23.4 | $12K |
| Lightning | Very Low | 18.6 | $36K |
| Strong Wind | Very Low | 16.4 | $80K |
| Riverine Flooding | Very Low | 12.1 | $876K |
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 | 150 | 0 | $11M | 60th of 77 | 515th of 3,080 |
| Heat | 95 | 0 | – | 4th of 77 | 113th of 3,076 |
| Drought | 75 | 0 | $14M | 13th of 77 | 111th of 3,063 |
| Severe thunderstorm wind | 68 | 0 | $693K | 73rd of 77 | 2218th of 3,080 |
| Winter storms | 40 | 0 | $1.4M | 17th of 77 | 1840th of 3,077 |
| Tornadoes | 31 | 1 | $2.4M | 58th of 77 | 831st of 3,080 |
| Floods | 21 | 1 | $27K | 51st of 77 | 2112th of 3,080 |
| Extreme cold | 10 | 0 | – | 7th of 77 | 1165th of 3,076 |
| High wind and dust storms | 5 | 0 | – | 63rd of 77 | 2360th of 3,080 |
| Wildfires | 4 | 0 | – | 31st of 77 | 358th of 2,972 |
| Lightning | 2 | 0 | $2K | 37th of 77 | 1437th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Coal County record: every hazard by year and month, the deadliest events and FEMA's declarations.