Cotton County, Oklahoma: hazard risk
FEMA rates Cotton County's overall risk Very Low (score 4.9 of 100, higher than 4% of rated U.S. counties). Its storm record holds 811 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 73.6 | $596K |
| Wildfire | Relatively Low | 67.0 | $131K |
| Ice Storm | Relatively Low | 45.9 | $67K |
| Strong Wind | Relatively Low | 31.6 | $288K |
| Tornado | Relatively Low | 28.3 | $427K |
| Heat Wave | Very Low | 33.6 | $155K |
| Earthquake | Very Low | 29.8 | $69K |
| Hail | Very Low | 24.0 | $82K |
| Hurricane | Very Low | 21.9 | $7K |
| Landslide | Very Low | 20.7 | $117 |
| Winter Weather | Very Low | 17.5 | $14K |
| Cold Wave | Very Low | 14.6 | $138K |
| Riverine Flooding | Very Low | 6.5 | $880K |
| Lightning | Very Low | 2.8 | $9K |
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 | 301 | 0 | – | 32nd of 77 | 161st of 3,080 |
| Severe thunderstorm wind | 188 | 0 | $1.9M | 40th of 77 | 1461st of 3,080 |
| Drought | 114 | 0 | $14M | 6th of 77 | 57th of 3,063 |
| Heat | 65 | 0 | – | 23rd of 77 | 277th of 3,076 |
| Tornadoes | 45 | 7 | $16M | 30th of 77 | 363rd of 3,080 |
| Winter storms | 34 | 1 | $496K | 52nd of 77 | 2227th of 3,077 |
| High wind and dust storms | 25 | 0 | – | 17th of 77 | 1238th of 3,080 |
| Floods | 19 | 0 | $73K | 59th of 77 | 2275th of 3,080 |
| Extreme cold | 8 | 0 | – | 29th of 77 | 1571st of 3,076 |
| Heavy rain | 2 | 0 | – | 8th of 77 | 1625th of 3,080 |
| Wildfires | 2 | 0 | $1.1M | 58th of 77 | 688th of 2,972 |
| Lightning | 1 | 0 | $72K | 59th of 77 | 2048th 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 Cotton County record: every hazard by year and month, the deadliest events and FEMA's declarations.