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Oklahoma natural disaster risk

Ratings for all 77 counties, the federal disaster record and flood insurance across the state.

98major disasters since 1953 (3rd most)

$2.1Bexpected losses a year

0.5%of homes with flood insurance

Photo: Urbanative, CC0

Oklahoma has had 98 major federal disaster declarations for natural events since 1953. FEMA expects about $2.1 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 45 of its 77 counties, followed by drought in 11. None is rated Very High overall. About 0.5% of homes carry federal flood insurance, and the program has paid $258 million on 12,875 claims here since 1978.

Very High0counties

High2counties

Moderate11counties

Low36counties

Highest overall risk

1Oklahoma CountyHigh

2Tulsa CountyHigh

3Cleveland CountyModerate

4Comanche CountyModerate

5Jackson CountyModerate

Lowest risk (50,000+ people)

1Wagoner CountyLow

2Grady CountyLow

3Washington CountyLow

4Rogers CountyLow

5Muskogee CountyModerate

Top hazards

Inland floodingtop risk in 45 counties

Droughttop risk in 11 counties

Tornadotop risk in 9 counties

Recent federal declarations

All states ›

Oct 7, 2026Severe Storm and Straight-Line WindsMajor disaster

Aug 13, 2026Train Trestle FireFire management

Largest counties

Oklahoma County

795,336 people

High Inland flooding

Tulsa County

668,481 people

High Inland flooding

Cleveland County

295,221 people

Moderate Inland flooding

Canadian County

153,947 people

Moderate Inland flooding

Comanche County

120,665 people

Moderate Inland flooding

Rogers County

95,011 people

Low Inland flooding

Payne County

81,605 people

Moderate Cold wave

Wagoner County

80,907 people

Low Inland flooding

Pottawatomie County

72,357 people

Moderate Tornado

Creek County

71,508 people

Moderate Inland flooding

Muskogee County

66,200 people

Moderate Inland flooding

Garfield County

62,826 people

Moderate Cold wave

Cities in Oklahoma

All 17 cities ›

Oklahoma City697,125 Tulsa413,794 Norman129,672 Broken Arrow118,180 Edmond96,825 Lawton90,595 Moore63,420 Midwest City58,297 Enid50,653 Stillwater49,269 Owasso40,151 Bartlesville37,878 Muskogee36,758 Shawnee31,671 Bixby30,155

All 77 counties

Name	People	Overall risk	Top hazard	Declarations	Homes insured
Adair County	19,445	Low	Inland flooding	27	0.2%
Alfalfa County	5,699	Very Low	Cold wave	28	0.7%
Atoka County	14,119	Very Low	Inland flooding	26	0%
Beaver County	5,045	Very Low	Drought	26	0.1%
Beckham County	22,355	Low	Tornado	26	0.1%
Blaine County	8,726	Very Low	Inland flooding	31	0.1%
Bryan County	45,998	Low	Tornado	23	0.1%
Caddo County	26,908	Low	Inland flooding	42	0.3%
Canadian County	153,947	Moderate	Inland flooding	38	0.4%
Carter County	47,910	Low	Tornado	31	0.2%
Cherokee County	47,015	Low	Inland flooding	26	0.5%
Choctaw County	14,133	Low	Tornado	20	0.2%
Cimarron County	2,285	Low	Drought	16	0%
Cleveland County	295,221	Moderate	Inland flooding	42	0.6%
Coal County	5,266	Very Low	Hail	25	0.1%
Comanche County	120,665	Moderate	Inland flooding	34	1%
Cotton County	5,520	Very Low	Inland flooding	35	0.2%
Craig County	14,048	Low	Inland flooding	29	0.4%
Creek County	71,508	Moderate	Inland flooding	45	0.3%
Custer County	28,489	Low	Tornado	30	0.1%
Delaware County	40,338	Moderate	Inland flooding	31	0.4%
Dewey County	4,466	Very Low	Ice storm	33	0%
Ellis County	3,746	Very Low	Drought	27	0%
Garfield County	62,826	Moderate	Cold wave	23	0.4%
Garvin County	25,643	Low	Inland flooding	31	0.6%
Grady County	54,565	Low	Tornado	35	0.3%
Grant County	4,169	Very Low	Cold wave	30	0.1%
Greer County	5,474	Very Low	Drought	20	0.1%
Harmon County	2,486	Very Low	Drought	18	0.3%
Harper County	3,270	Low	Drought	17	0.1%
Haskell County	11,557	Very Low	Inland flooding	32	0.1%
Hughes County	13,349	Very Low	Hail	25	0.1%
Jackson County	24,734	Moderate	Strong wind	28	0.3%
Jefferson County	5,326	Very Low	Drought	28	0.1%
Johnston County	10,257	Very Low	Inland flooding	19	0%
Kay County	43,578	Low	Inland flooding	34	0.5%
Kingfisher County	15,141	Low	Inland flooding	33	0.4%
Kiowa County	8,493	Very Low	Tornado	34	0.3%
Latimer County	9,412	Very Low	Inland flooding	28	0.1%
Le Flore County	48,014	Moderate	Inland flooding	30	0.3%
Lincoln County	33,440	Low	Inland flooding	43	0.1%
Logan County	49,445	Low	Cold wave	45	0.2%
Love County	10,141	Very Low	Inland flooding	24	0%
Major County	7,765	Very Low	Cold wave	31	0.3%
Marshall County	15,274	Low	Inland flooding	16	0.1%
Mayes County	38,989	Low	Inland flooding	29	0.4%
McClain County	41,569	Low	Inland flooding	42	0.3%
McCurtain County	30,709	Low	Inland flooding	20	0.2%
McIntosh County	18,905	Low	Inland flooding	29	0.2%
Murray County	13,860	Very Low	Inland flooding	24	0.1%
Muskogee County	66,200	Moderate	Inland flooding	32	0.6%
Noble County	10,919	Low	Cold wave	27	0.1%
Nowata County	9,311	Very Low	Inland flooding	30	0.4%
Okfuskee County	11,286	Very Low	Drought	38	0%
Oklahoma County	795,336	High	Inland flooding	49	0.5%
Okmulgee County	36,515	Low	Inland flooding	38	0.3%
Osage County	45,705	Low	Inland flooding	41	0.3%
Ottawa County	30,249	Low	Inland flooding	32	1.5%
Pawnee County	15,493	Low	Inland flooding	34	0%
Payne County	81,605	Moderate	Cold wave	37	0.4%
Pittsburg County	43,573	Low	Inland flooding	31	0.4%
Pontotoc County	37,975	Low	Tornado	22	0.1%
Pottawatomie County	72,357	Moderate	Tornado	42	0.4%
Pushmataha County	10,767	Very Low	Inland flooding	27	0.2%
Roger Mills County	3,442	Very Low	Drought	30	0.1%
Rogers County	95,011	Low	Inland flooding	29	0.7%
Seminole County	23,530	Low	Inland flooding	31	0.2%
Sequoyah County	39,237	Low	Inland flooding	29	0.4%
Stephens County	42,776	Low	Inland flooding	33	0.2%
Texas County	21,380	Low	Drought	19	0.2%
Tillman County	6,959	Very Low	Drought	34	0.1%
Tulsa County	668,481	High	Inland flooding	38	0.7%
Wagoner County	80,907	Low	Inland flooding	32	0.7%
Washington County	52,385	Low	Inland flooding	32	0.9%
Washita County	10,916	Very Low	Inland flooding	35	0.2%
Woods County	8,623	Very Low	Cold wave	23	0.1%
Woodward County	20,453	Very Low	Inland flooding	29	0.7%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.