Garfield County, Oklahoma: hazard risk
FEMA rates Garfield County's overall risk Relatively Moderate (score 82.1 of 100, higher than 82% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by ice storm, cold wave, tornado. Its storm record holds 1,574 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 |
|---|---|---|---|
| Ice Storm | Very High | 96.5 | $1.9M |
| Cold Wave | Relatively High | 97.4 | $15M |
| Tornado | Relatively High | 92.2 | $7.9M |
| Hail | Relatively Moderate | 93.2 | $2.1M |
| Heat Wave | Relatively Moderate | 86.4 | $2.1M |
| Drought | Relatively Moderate | 85.5 | $1.2M |
| Strong Wind | Relatively Moderate | 76.8 | $1.1M |
| Winter Weather | Relatively Moderate | 74.5 | $148K |
| Riverine Flooding | Relatively Low | 67.0 | $11M |
| Lightning | Relatively Low | 34.6 | $121K |
| Earthquake | Very Low | 58.0 | $377K |
| Wildfire | Very Low | 53.6 | $53K |
| Landslide | Very Low | 41.5 | $671 |
| Hurricane | Very Low | 28.9 | $12K |
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 | 625 | 0 | $173K | 27th of 77 | 130th of 3,080 |
| Severe thunderstorm wind | 481 | 0 | $18M | 22nd of 77 | 1010th of 3,080 |
| Drought | 107 | 0 | $14M | 41st of 77 | 290th of 3,063 |
| Tornadoes | 80 | 0 | $50M | 45th of 77 | 568th of 3,080 |
| Winter storms | 79 | 4 | $41M | 20th of 77 | 1915th of 3,077 |
| Heat | 71 | 0 | – | 47th of 77 | 406th of 3,076 |
| Floods | 50 | 0 | $2.1M | 44th of 77 | 1991st of 3,080 |
| High wind and dust storms | 35 | 1 | $522K | 25th of 77 | 1525th of 3,080 |
| Lightning | 20 | 0 | $975K | 5th of 77 | 393rd of 3,080 |
| Extreme cold | 14 | 0 | – | 26th of 77 | 1534th of 3,076 |
| Heavy rain | 4 | 0 | – | 5th of 77 | 1505th of 3,080 |
| Wildfires | 2 | 0 | $68K | 64th of 77 | 911th 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 Garfield County record: every hazard by year and month, the deadliest events and FEMA's declarations.