Stephens County
Oklahoma — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 66th
Stephens County faces low composite natural disaster risk (NRI Risk Index score 65.9, 66th national percentile), driven primarily by hail and tornado exposure. Expected annual loss across all 18 hazard types is $23M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hail | Medium | 11.24 / yr | $2M |
| Tornado | Medium | 0.94 / yr | $6M |
| Wildfire | Low | 0.01 / yr | $981K |
| Ice Storm | High | 1.36 / yr | $693K |
| Strong Wind | High | 4.66 / yr | $1M |
| Heat Wave | Medium | 19.42 / yr | $2M |
| Drought | Medium | 53.87 / yr | $613K |
| Cold Wave | Medium | 1.37 / yr | $2M |
| Winter Weather | Medium | 7.84 / yr | $90K |
| Earthquake | Low | 0.00 / yr | $472K |
| Riverine Flood | Low | 1.39 / yr | $7M |
| Landslide | Very Low | 0.18 / yr | $833 |
| Lightning | Low | 51.71 / yr | $127K |
| Hurricane | Very Low | 0.01 / yr | $13K |
| 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 Stephens County?
Stephens County has a composite FEMA National Risk Index score of 65.9 out of 100, placing it in the Low category and the 66th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Stephens County?
The three highest-rated hazards are Hail (Medium, $2M EAL), Tornado (Medium, $6M EAL), Wildfire (Low, $981K EAL). These account for most of the county's expected annual losses.
How does Stephens County compare to other Oklahoma counties?
Stephens County ranks #31 of 77 Oklahoma counties for overall natural disaster risk, with a low 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. Stephens County's $23M EAL is a statistical average, not a guarantee for any specific year or address.