Harmon County, Oklahoma: hazard risk
FEMA rates Harmon County's overall risk Very Low (score 10.2 of 100, higher than 10% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by drought. Its storm record holds 798 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 High | 92.0 | $1.3M |
| Strong Wind | Relatively Moderate | 58.7 | $473K |
| Hail | Relatively Low | 61.8 | $272K |
| Ice Storm | Relatively Low | 57.3 | $80K |
| Tornado | Relatively Low | 33.7 | $426K |
| Winter Weather | Relatively Low | 26.1 | $17K |
| Wildfire | Very Low | 58.0 | $50K |
| Heat Wave | Very Low | 25.7 | $70K |
| Landslide | Very Low | 21.5 | $91 |
| Cold Wave | Very Low | 21.0 | $164K |
| Earthquake | Very Low | 20.9 | $21K |
| Hurricane | Very Low | 17.0 | $3K |
| Lightning | Very Low | 5.5 | $12K |
| Riverine Flooding | Very Low | 3.8 | $399K |
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 | 286 | 0 | $1.6M | 18th of 77 | 93rd of 3,080 |
| Severe thunderstorm wind | 171 | 0 | $1.5M | 41st of 77 | 1462nd of 3,080 |
| Drought | 144 | 0 | $15M | 1st of 77 | 14th of 3,063 |
| Heat | 60 | 0 | – | 18th of 77 | 254th of 3,076 |
| High wind and dust storms | 44 | 0 | $63K | 1st of 77 | 572nd of 3,080 |
| Tornadoes | 38 | 0 | $7.6M | 55th of 77 | 739th of 3,080 |
| Winter storms | 36 | 0 | $693K | 27th of 77 | 1999th of 3,077 |
| Extreme cold | 9 | 0 | – | 12th of 77 | 1290th of 3,076 |
| Floods | 5 | 0 | – | 71st of 77 | 2753rd of 3,080 |
| Heavy rain | 2 | 0 | – | 7th of 77 | 1518th 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 Harmon County record: every hazard by year and month, the deadliest events and FEMA's declarations.