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Grant County, Oklahoma

Natural disaster risk, federal disaster history and flood insurance facts.

Very Low overall risk
67th of 77highest risk in Oklahoma
$7Mexpected losses a year
30federal declarations
1 in 1000homes with flood insurance
Photo: Bold Frontiers, CC BY 2.0

Grant County, Oklahoma has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 72% of US counties. It ranks 67th of 77 counties in Oklahoma. The costliest hazards here are cold waves, inland flooding and ice storms. FEMA estimates about $7.5 million a year in expected losses, or roughly $1,788 per resident. Since 1973 it has been included in 30 federal disaster or emergency declarations for natural events (24 major disasters). The most recent was in February 2021 (severe winter storms). Only 3 homes here carry federal flood insurance.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Top risks in Grant County

Cold wave

Moderate
$2 million a yearExpected losses. Damaging events about 3 times a year.
  • Insulate pipes in outside walls, crawl spaces and garages.
  • Know how to shut off the main water valve.
$1.4 million a yearExpected losses. Damaging events about once a year.
  • Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
  • Price a flood policy now. Most new federal policies take 30 days to start.
$1.1 million a yearExpected losses. Damaging events about once every 1 years.
  • Trim branches that hang over the roof or power lines.
  • Plan for several days without power.
HazardRatingScoreExpected loss a year
Cold waveModerate73.4
$2M
Inland floodingVery Low13.8
$1M
Ice stormHigh93.7
$1M
DroughtModerate86.7
$1M
TornadoLow36.5
$599K
Heat waveLow64.8
$588K
HailLow70.1
$449K
Strong windVery Low16.8
$118K
EarthquakeVery Low23.5
$31K
WildfireVery Low44.3
$27K
LightningVery Low6.9
$18K
Winter weatherVery Low13.9
$9K
HurricaneVery Low16.1
$3K
LandslideVery Low28.3
$218

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively high and community resilience is relatively high in FEMA's measures.

Federal disaster history

Recent disasters nationwide ›

Declarations by decade

Federal declarations for natural events that included Grant County. 2020s bar runs to November 2026.

By type

Severe Storm16
Severe Ice Storm8
Flood3
Tornado1
Hurricane1
Fire1

Most recent

Feb 24, 2021Severe Winter StormsMajor disaster
Feb 17, 2021Severe Winter StormEmergency
Dec 21, 2020Severe Winter StormMajor disaster
Jun 1, 2019Severe Storms, Straight-Line Winds, Tornadoes, and FloodingMajor disaster
Feb 10, 2016Severe Winter Storms and FloodingMajor disaster
Dec 29, 2015Severe Winter Storms and FloodingMajor disaster
May 26, 2015Severe Storms, Tornadoes, Straight-Line Winds, and FloodingMajor disaster
Apr 8, 2013Severe Winter Storm and SnowstormMajor disaster
Jun 14, 2012Severe Storms, Tornadoes, Straight-Line Winds, and FloodingMajor disaster
Feb 2, 2011Severe Winter StormEmergency
Show all 30
May 24, 2010Severe Storms, Tornadoes, and Straight-Line WindsMajor disaster
Mar 5, 2010Severe Winter StormMajor disaster
Jan 30, 2010Severe Winter StormEmergency
Oct 9, 2008Severe Storms, Tornadoes, and FloodingMajor disaster
Jul 9, 2008Severe Storms and FloodingMajor disaster
Dec 10, 2007Severe Winter StormsEmergency
Jul 7, 2007Severe Storms, Flooding, and TornadoesMajor disaster
Jun 7, 2007Severe Storms, Tornadoes and FloodingMajor disaster
Feb 1, 2007Severe Winter StormsMajor disaster
Jan 14, 2007Severe Winter Storms and FloodingEmergency
Jan 10, 2006Extreme Wildfire ThreatMajor disaster
Sep 5, 2005Hurricane Katrina EvacuationEmergency
Feb 1, 2002Severe Winter Ice StormMajor disaster
Sep 1, 1995Severe Storms and FloodingMajor disaster
Jun 26, 1995Tornadoes, Severe Storms and FloodingMajor disaster
May 12, 1993Severe Storms, Tornadoes & FloodingMajor disaster
Oct 14, 1986Severe Storms & FloodingMajor disaster
Nov 26, 1974Severe Storms & FloodingMajor disaster
Oct 13, 1973Severe Storms & FloodingMajor disaster
Jun 13, 1973Severe Storms, Flooding, & TornadoesMajor disaster

Oklahoma also had 43 statewide declarations that did not name single counties.

Storm history since 1953

Tornado risk by county ›

The National Weather Service has logged 687 storm reports in Grant County since 1953, with 0 deaths and 8 injuries and about $9.9 million in reported damage. The strongest on record here was an F4 tornado on March 16, 1965.

80tornadoes
381hail reports, largest 4.5 inches
186damaging thunderstorm winds
37floods and flash floods

Strongest tornadoes

DateStrengthNearHurt / killed
Mar 16, 1965F4–2 / 0
Mar 16, 1965F4–0 / 0
Mar 16, 1965F4–0 / 0
Apr 12, 1991F3–0 / 0
Mar 26, 1991F3–0 / 0

Most damaging storms

DateTypeNearDamage
Apr 12, 1991Tornado–$3M
Mar 26, 1991Tornado–$3M
May 24, 1998TornadoLamont$2M
Apr 2, 1956Tornado–$250K
May 17, 1959Tornado–$250K
Mar 16, 1965Tornado–$250K

Source: NOAA Storm Events Database, county-based reports through Jul 4, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Hurricanes and tropical storms

Hurricane risk by county ›

Since 1900, 0 hurricanes and 1 tropical storm have passed within 65 miles of the center of Grant County. The strongest was an unnamed storm in 1900, with top winds near 40 mph about 55 miles away.

0hurricanes
0major hurricanes (Category 3+)
1tropical storms
1900most recent: unnamed storm

Strongest storms nearby

DateStormStrengthClosest
Sep 10, 1900UnnamedTropical storm, 40 mph55 mi

Most recent storms

DateStormStrengthClosest
Sep 10, 1900UnnamedTropical storm, 40 mph55 mi

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

Flood insurance in Grant County

Check your address flood zone ›
0.1%of homes have federal flood insurance (3 policies)
0%of homes in mapped high-risk flood zones are insured
$104,650paid on 9 flood claims since 1978
2008costliest year, with $45,539 paid

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Homes in Grant County

$105,700median home value (Oklahoma $199,800, US $332,700)
1967median year homes were built (Oklahoma 1980, US 1980)
73%of homes built before 1980, before many modern wind, quake and flood building rules
7.6%of homes are mobile homes, which are the least safe in tornadoes and high winds

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 2,163 housing units.

Compare in Oklahoma

All 77 ›
Largest countiesOverall riskTop hazard
Oklahoma CountyHighInland flooding
Tulsa CountyHighInland flooding
Cleveland CountyModerateInland flooding
Canadian CountyModerateInland flooding
Comanche CountyModerateInland flooding
Rogers CountyLowInland flooding
Payne CountyModerateCold wave
Wagoner CountyLowInland flooding

Neighboring counties

CountyOverall riskDeclarations
Garfield CountyModerate23
Kay CountyLow34
Sumner County, KSLow25
Alfalfa CountyVery Low28
Harper County, KSVery Low20

Common questions about Grant County

What is the biggest natural hazard in Grant County?

Cold wave has the highest expected yearly losses in Grant County, about $2 million a year in FEMA's estimate. Inland flooding is second at $1.4 million.

How many federal disasters has Grant County had?

Grant County has been included in 30 federal disaster or emergency declarations for natural events since 1973, including 24 major disasters. The most recent was Severe Winter Storms in February 2021.

Is Grant County a high-risk place to live?

Its overall rating is Very Low, 67th highest of 77 in Oklahoma. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.

Do I need flood insurance in Grant County?

Standard home insurance does not cover flooding. About 1 in 1000 homes in Grant County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.

How many tornadoes has Grant County had?

NOAA records list 80 tornadoes in Grant County since 1950. The strongest was an F4 tornado on March 16, 1965. The weather service has also logged 381 hail reports and 37 floods here.

How many hurricanes have hit Grant County?

NOAA's hurricane records show 0 hurricanes and 1 tropical storm passing within 65 miles of the center of Grant County. The strongest was an unnamed storm in 1900, with winds near 40 mph.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.