Garfield County
Oklahoma — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 82th
Garfield County faces medium composite natural disaster risk (NRI Risk Index score 82.1, 82th national percentile), driven primarily by cold wave and ice storm exposure. Expected annual loss across all 18 hazard types is $43M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | High | 2.74 / yr | $15M |
| Ice Storm | Very High | 0.91 / yr | $2M |
| Hail | Medium | 9.13 / yr | $2M |
| Tornado | High | 1.01 / yr | $8M |
| Heat Wave | Medium | 17.53 / yr | $2M |
| Drought | Medium | 64.74 / yr | $1M |
| Strong Wind | Medium | 5.35 / yr | $1M |
| Winter Weather | Medium | 9.32 / yr | $148K |
| Riverine Flood | Low | 1.00 / yr | $11M |
| Earthquake | Very Low | 0.00 / yr | $377K |
| Wildfire | Very Low | 0.00 / yr | $53K |
| Landslide | Very Low | 0.16 / yr | $671 |
| Lightning | Low | 50.83 / yr | $121K |
| Hurricane | Very Low | 0.01 / yr | $12K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Garfield County?
Garfield County has a composite FEMA National Risk Index score of 82.1 out of 100, placing it in the Medium category and the 82th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Garfield County?
The three highest-rated hazards are Cold Wave (High, $15M EAL), Ice Storm (Very High, $2M EAL), Hail (Medium, $2M EAL). These account for most of the county's expected annual losses.
How does Garfield County compare to other Oklahoma counties?
Garfield County ranks #12 of 77 Oklahoma counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Garfield County's $43M EAL is a statistical average, not a guarantee for any specific year or address.