States › Oklahoma › Carter County
Carter County, Oklahoma
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
Carter County, Oklahoma, has 1,166 weather events in the NCEI Storm Events record since 1950, most of them hail.
That is 141.8 events per 100 square miles, in line with the Oklahoma figure of 120.9, and 241.5 per 10,000 residents against 208.0 statewide.
32 events fall in the 12 months to 30 Jun 2026. NCEI attributes 22 deaths and 113 injuries to events in the county, with property damage estimated at $49M and crop damage at $8.3M.
FEMA has designated the county in 33 federal disaster declarations since 1953; the most recent is Hospital Road Fire (fire management assistance, 19 Feb 2026).
National Flood Insurance Program policyholders in the county filed 84 claims since 1978, of which 63 were paid, totalling $2.5M (about $40K per paid claim). FEMA counts 40 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Relatively Low" and its expected annual loss as "Relatively Low" ($28M a year across 18 hazards).
4 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.
Compared with Oklahoma and the United States
| Measure | Carter County | Oklahoma | US |
|---|---|---|---|
| Recorded events since 1950 | 1,166 | 82,919 | 1,977,440 |
| Events per 100 square miles | 141.8 | 120.9 | 56.0 |
| Events per 10,000 residents | 241.5 | 208.0 | 59.6 |
| Events in the last 12 months | 32 | 2,570 | 62,008 |
| Deaths recorded by NCEI | 22 | 705 | 26,435 |
| Property damage (NCEI estimates) | $49M | $9.6B | $575B |
| NFIP claims per 1,000 residents | 1.7 | 3.3 | 8.1 |
| Average paid NFIP claim | $40K | $24K | $43K |
| Claims per 100 policies in force, last 10 years | 22.5 | 17.0 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 508 events in the 20 years to 2025 against 501 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 10 Feb 2009 | Tornado | Tornado | EF4 | $3.0M | — | 8 | 46 | County |
| 7 May 1995 | Tornado | Tornado | F3 | $500K | — | 3 | 6 | County |
| 30 Oct 1979 | Tornado | Tornado | F3 | $250K | — | 3 | 2 | County |
| 1 Aug 2006 | Heat | Heat | — | — | — | 2 | — | Forecast zone |
| 1 Jul 1996 | Heat | Heat | — | — | — | 1 | — | Forecast zone |
| 5 Aug 1998 | Heat | Heat | — | — | — | 1 | — | Forecast zone |
| 7 Jul 2003 | Heat | Heat | — | — | — | 1 | — | Forecast zone |
| 29 Nov 2005 | Wildfire | Wildfire | — | — | — | 1 | — | Forecast zone |
| 20 Jan 2011 | Winter Weather | Winter | — | — | — | 1 | — | Forecast zone |
| 17 Jun 2015 | Flash Flood | Flood | — | — | — | 1 | — | County |
| 27 Apr 2024 | Tornado | Tornado | EF2 | $20M | — | — | 19 | County |
| 26 May 1959 | Tornado | Tornado | F3 | $25K | — | — | 8 | County |
| 8 May 1993 | Thunderstorm Wind | Wind | 0 mph | $5.0M | — | — | 6 | County |
| 2 Mar 1977 | Tornado | Tornado | F2 | $25K | — | — | 5 | County |
| 9 Apr 1990 | Tornado | Tornado | F2 | $250K | — | — | 4 | County |
| 17 Nov 1958 | Tornado | Tornado | F1 | $30 | — | — | 4 | County |
| 4 Mar 2025 | Tornado | Tornado | EF1 | $500K | — | — | 3 | County |
| 19 Apr 1972 | Tornado | Tornado | F4 | $25K | — | — | 3 | County |
| 13 Oct 2012 | Tornado | Tornado | EF1 | — | — | — | 2 | County |
| 29 Apr 1985 | Tornado | Tornado | F2 | $2.5M | — | — | 1 | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 19 Feb 2026 | FM-5620 | Fire management assistance | Fire | Hospital Road Fire | Public assistance |
| 30 Apr 2024 | DR-4776 | Major disaster | Tornado | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Individual assistance, Public assistance |
| 24 Feb 2021 | DR-4587 | Major disaster | Severe Ice Storm | Severe Winter Storms | Individual assistance, Public assistance |
| 17 Feb 2021 | EM-3555 | Emergency | Severe Ice Storm | Severe Winter Storm | Public assistance |
| 5 Apr 2020 | DR-4530 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3462 | Emergency | Biological | Covid-19 | Public assistance |
| 26 May 2015 | DR-4222 | Major disaster | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, And Flooding | Individual assistance, Public assistance |
| 2 Feb 2011 | EM-3316 | Emergency | Severe Storm | Severe Winter Storm | Public assistance |
| 24 May 2010 | DR-1917 | Major disaster | Severe Storm | Severe Storms, Tornadoes, And Straight-Line Winds | Individual assistance |
| 25 Feb 2010 | DR-1876 | Major disaster | Severe Storm | Severe Winter Storm | Public assistance |
| 30 Jan 2010 | EM-3308 | Emergency | Severe Storm | Severe Winter Storm | Public assistance |
| 19 Jun 2009 | DR-1846 | Major disaster | Fire | Wildfires | Individual assistance |
| 10 Apr 2009 | FM-2811 | Fire management assistance | Fire | Healdton Carter Fire | Public assistance |
| 15 Feb 2009 | DR-1820 | Major disaster | Severe Storm | Severe Storms And Tornadoes | Individual assistance, Public assistance |
| 10 Dec 2007 | EM-3280 | Emergency | Severe Ice Storm | Severe Winter Storms | Public assistance |
| 14 Jan 2007 | EM-3272 | Emergency | Severe Ice Storm | Severe Winter Storms And Flooding | Public assistance |
| 13 Jan 2006 | FM-2618 | Fire management assistance | Fire | Ratcliff Fire | Public assistance |
| 10 Jan 2006 | DR-1623 | Major disaster | Fire | Extreme Wildfire Threat | Individual assistance, Public assistance |
| 30 Nov 2005 | FM-2588 | Fire management assistance | Fire | Velma Fire Complex | Public assistance |
| 5 Sep 2005 | EM-3219 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 10 May 2003 | DR-1465 | Major disaster | Severe Storm | Severe Storms And Tornadoes | Individual assistance |
| 29 Jun 2001 | DR-1384 | Major disaster | Severe Storm | Severe Storms, Flooding, And Tornadoes | Public assistance |
| 5 Jan 2001 | DR-1355 | Major disaster | Severe Ice Storm | Severe Winter Ice Storm | Individual assistance, Public assistance |
| 28 Dec 2000 | EM-3158 | Emergency | Severe Ice Storm | Severe Winter And Ice Storm | Public assistance |
| 27 Nov 2000 | DR-1349 | Major disaster | Severe Storm | Severe Storms And Flooding | Individual assistance, Public assistance |
| 27 Feb 1996 | EM-3118 | Emergency | Fire | Extreme Fire Hazard | Public assistance |
| 26 Jun 1995 | DR-1058 | Major disaster | Tornado | Tornadoes, Severe Storms And Flooding | Public assistance |
| 12 May 1993 | DR-991 | Major disaster | Severe Storm | Severe Storms, Tornadoes & Flooding | Individual assistance, Public assistance |
| 18 May 1990 | DR-866 | Major disaster | Severe Storm | Severe Storms, Tornadoes & Flooding | Individual assistance, Public assistance |
| 9 Jul 1987 | DR-794 | Major disaster | Flood | Severe Storms & Flooding | Public assistance |
| 13 Apr 1979 | DR-576 | Major disaster | Tornado | Severe Storms & Tornadoes | Individual assistance, Public assistance |
| 13 Jun 1973 | DR-392 | Major disaster | Severe Storm | Severe Storms, Flooding, & Tornadoes | Individual assistance, Public assistance |
| 14 Oct 1970 | DR-297 | Major disaster | Severe Storm | Heavy Rains, Tornadoes & Flooding | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2025 | 1 | 1 | $500,000 | $500,000 |
| 2024 | 1 | 1 | $5,970 | $5,970 |
| 2021 | 1 | 1 | $2,369 | $2,369 |
| 2019 | 1 | 1 | $4,708 | $4,708 |
| 2018 | 3 | 1 | $28,107 | $28,107 |
| 2017 | 2 | 0 | $0 | — |
| 2016 | 3 | 2 | $79,750 | $39,875 |
| 2015 | 27 | 24 | $1,537,425 | $64,059 |
| 2011 | 2 | 1 | $41,056 | $41,056 |
| 2009 | 1 | 1 | $5,223 | $5,223 |
| 2005 | 2 | 1 | $4,386 | $4,386 |
| 2003 | 2 | 1 | $2,828 | $2,828 |
| 2000 | 4 | 3 | $139,576 | $46,525 |
| 1995 | 1 | 0 | $0 | — |
| 1993 | 11 | 10 | $50,454 | $5,045 |
| 1992 | 1 | 0 | $0 | — |
| 1991 | 1 | 1 | $36,824 | $36,824 |
| 1990 | 4 | 2 | $23,504 | $11,752 |
| 1989 | 3 | 3 | $21,494 | $7,165 |
| 1987 | 4 | 3 | $7,343 | $2,448 |
| 1986 | 1 | 0 | $0 | — |
| 1985 | 3 | 3 | $1,600 | $533 |
| 1983 | 1 | 0 | $0 | — |
| 1982 | 1 | 1 | $425 | $425 |
| 1981 | 1 | 1 | $34,203 | $34,203 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Tornado | $8,577,426 | |
| Inland flooding | $8,310,931 | |
| Heat wave | $2,933,291 | |
| Hail | $2,070,769 | |
| Strong wind | $1,349,743 | |
| Cold wave | $1,141,679 | |
| Ice storm | $920,478 | |
| Drought | $908,608 | |
| Wildfire | $902,425 | |
| Earthquake | $499,766 | |
| Lightning | $249,818 | |
| Winter weather | $105,659 | |
| Hurricane | $31,090 | |
| Landslide | $2,066 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Erin | 2007 | 96 mi | 40 mph |
| Carla | 1961 | 17 mi | 40 mph |
| Unnamed Atlantic storm | 1902 | 79 mi | 40 mph |
| Unnamed Atlantic storm | 1900 | 43 mi | 52 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Carter County, OK?
NCEI records 515 hail events in Carter County since 1950, in 67 different years; that is about 6.7 recorded events a year. 134 reports were golf-ball size (1.75 in) or larger.
Has Carter County had a tornado?
Yes. NCEI records 65 tornadoes in Carter County since 1950, 20 of them rated (E)F2 or stronger. Tornado deaths recorded: 14.
When was the last federal disaster declaration for Carter County?
19 Feb 2026: Hospital Road Fire, a fire management assistance declaration for fire. The county appears in 33 declarations since 1953.
How many flood insurance claims have been filed in Carter County, and how much was paid?
84 NFIP claims since 1978, 63 of them paid, for $2.5M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Carter County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Relatively Low" for overall risk, "Relatively Low" for expected annual loss, "Relatively High" for social vulnerability and "Relatively Moderate" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Carter County compare with the rest of Oklahoma?
141.8 recorded events per 100 square miles against 120.9 statewide, and 1.7 NFIP claims per 1,000 residents against 3.3. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.