Kiowa County, Oklahoma
Natural disaster risk, federal disaster history and flood insurance facts.
Kiowa County, Oklahoma has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 64% of US counties. It ranks 55th of 77 counties in Oklahoma. The costliest hazards here are tornadoes, inland flooding and drought. FEMA estimates about $7.6 million a year in expected losses, or roughly $898 per resident. Since 1983 it has been included in 34 federal disaster or emergency declarations for natural events (26 major disasters). The most recent was in December 2025 (Sunny Fire). Only 13 homes here carry federal flood insurance. Since 1978, federal flood insurance has paid about $516,000 on 22 claims here.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Kiowa County
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- 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.
- Check local water restrictions.
- Choose drought-tolerant plants.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Tornado | 72.4 | $2M | ||
| Inland flooding | 22.9 | $2M | ||
| Drought | 90.5 | $1M | ||
| Strong wind | 66.9 | $595K | ||
| Heat wave | 69.1 | $588K | ||
| Cold wave | 44.1 | $514K | ||
| Hail | 75.3 | $473K | ||
| Ice storm | 81.3 | $304K | ||
| Earthquake | 47.0 | $158K | ||
| Wildfire | 71.6 | $132K | ||
| Winter weather | 44.1 | $35K | ||
| Lightning | 5.2 | $11K | ||
| Hurricane | 29.4 | $9K | ||
| Landslide | 49.9 | $883 |
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 very high and community resilience is relatively moderate in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Kiowa County. 2020s bar runs to November 2026.
By type
Most recent
Show all 34
Oklahoma also had 43 statewide declarations that did not name single counties.
Storm history since 1950
Tornado risk by county ›The National Weather Service has logged 1,078 storm reports in Kiowa County since 1950, with 2 deaths and 6 injuries and about $3.7 million in reported damage. The strongest on record here was an F3 tornado on April 28, 1950.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Apr 28, 1950 | F3 | – | 1 / 1 |
| Apr 28, 1950 | F3 | – | 0 / 0 |
| May 11, 1982 | F3 | – | 0 / 0 |
| Feb 22, 1975 | F2 | – | 2 / 1 |
| May 14, 1986 | F2 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 31, 1999 | Thunderstorm Wind | Tom Steed Res | $300K |
| Apr 28, 1950 | Tornado | – | $250K |
| Feb 22, 1975 | Tornado | – | $250K |
| Apr 28, 1950 | Tornado | – | $250K |
| May 11, 1982 | Tornado | – | $250K |
| May 14, 1986 | Tornado | – | $250K |
Source: NOAA Storm Events Database, county-based reports through Jul 18, 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.
Flood insurance in Kiowa County
Check your address flood zone ›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 Kiowa County
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; 4,665 housing units.
Compare in Oklahoma
All 77 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Oklahoma County | Inland flooding | |
| Tulsa County | Inland flooding | |
| Cleveland County | Inland flooding | |
| Canadian County | Inland flooding | |
| Comanche County | Inland flooding | |
| Rogers County | Inland flooding | |
| Payne County | Cold wave | |
| Wagoner County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Comanche County | 34 | |
| Caddo County | 42 | |
| Jackson County | 28 | |
| Beckham County | 26 | |
| Washita County | 35 | |
| Tillman County | 34 | |
| Greer County | 20 |
Common questions about Kiowa County
What is the biggest natural hazard in Kiowa County?
Tornado has the highest expected yearly losses in Kiowa County, about $1.8 million a year in FEMA's estimate. Inland flooding is second at $1.8 million.
How many federal disasters has Kiowa County had?
Kiowa County has been included in 34 federal disaster or emergency declarations for natural events since 1983, including 26 major disasters. The most recent was Sunny Fire in December 2025.
Is Kiowa County a high-risk place to live?
Its overall rating is Very Low, 55th 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 Kiowa County?
Standard home insurance does not cover flooding. About 1 in 333 homes in Kiowa 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 Kiowa County had?
NOAA records list 95 tornadoes in Kiowa County since 1950. The strongest was an F3 tornado on April 28, 1950. The weather service has also logged 623 hail reports and 42 floods here.
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.