Harper County, Oklahoma: hazard risk
FEMA rates Harper County's overall risk Relatively Low (score 45.7 of 100, higher than 45% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by ice storm, drought. Its storm record holds 893 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 | 97.2 | $1.7M |
| Drought | Relatively High | 98.7 | $4.8M |
| Cold Wave | Relatively Moderate | 71.2 | $1.6M |
| Wildfire | Relatively Low | 81.9 | $349K |
| Hail | Relatively Low | 69.5 | $383K |
| Tornado | Relatively Low | 30.6 | $372K |
| Strong Wind | Relatively Low | 25.4 | $170K |
| Heat Wave | Very Low | 30.0 | $95K |
| Hurricane | Very Low | 28.7 | $9K |
| Winter Weather | Very Low | 20.5 | $13K |
| Earthquake | Very Low | 16.5 | $14K |
| Landslide | Very Low | 7.2 | $10 |
| Lightning | Very Low | 7.1 | $16K |
| Riverine Flooding | Very Low | 6.8 | $681K |
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 | 368 | 0 | $6K | 61st of 77 | 572nd of 3,080 |
| Severe thunderstorm wind | 212 | 0 | $739K | 68th of 77 | 2009th of 3,080 |
| Drought | 124 | 0 | $279M | 27th of 77 | 187th of 3,063 |
| Winter storms | 63 | 0 | $47M | 45th of 77 | 2165th of 3,077 |
| Heat | 32 | 0 | $15K | 68th of 77 | 759th of 3,076 |
| Tornadoes | 32 | 0 | $2.5M | 76th of 77 | 1929th of 3,080 |
| High wind and dust storms | 26 | 0 | $94K | 31st of 77 | 1654th of 3,080 |
| Extreme cold | 10 | 0 | – | 48th of 77 | 1808th of 3,076 |
| Floods | 9 | 0 | $2.0M | 74th of 77 | 2802nd of 3,080 |
| Wildfires | 8 | 1 | $516K | 32nd of 77 | 359th of 2,972 |
| Lightning | 4 | 0 | $55K | 45th of 77 | 1632nd of 3,080 |
| Heavy rain | 1 | 0 | – | 42nd of 77 | 2238th 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 Harper County record: every hazard by year and month, the deadliest events and FEMA's declarations.