States › Oklahoma › Harmon County

Harmon County, Oklahoma

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 40057 · 2,418 residents (2021) · 537 sq mi · dominant hazard Hail

Hail · 286Tornado · 38Flood · 5Wind · 214Winter · 36

Harmon County within Oklahoma. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

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.

Harmon County, Oklahoma, has 798 weather events in the NCEI Storm Events record since 1950, most of them hail.

That is 148.5 events per 100 square miles, in line with the Oklahoma figure of 120.9, and 3,300.2 per 10,000 residents against 208.0 statewide.

23 events fall in the 12 months to 30 Jun 2026. NCEI attributes 0 deaths and 6 injuries to events in the county, with property damage estimated at $3.2M and crop damage at $9.2M.

FEMA has designated the county in 20 federal disaster declarations since 1953; the most recent is Severe Winter Storms (major disaster, 24 Feb 2021).

National Flood Insurance Program policyholders in the county filed 27 claims since 1978, of which 17 were paid, totalling $195K (about $11K per paid claim). FEMA counts 5 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Very Low" and its expected annual loss as "Very Low" ($3.3M a year across 18 hazards).

1 tropical storm or hurricane track 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.

23events, last 12 monthsto 30 Jun 2026

798events since 19500 deaths, 6 injuries recorded

20disaster declarationslast 24 Feb 2021

27NFIP flood claims$195K paid

Compared with Oklahoma and the United States

Measure	Harmon County	Oklahoma	US
Recorded events since 1950	798	82,919	1,977,440
Events per 100 square miles	148.5	120.9	56.0
Events per 10,000 residents	3,300.2	208.0	59.6
Events in the last 12 months	23	2,570	62,008
Deaths recorded by NCEI	0	705	26,435
Property damage (NCEI estimates)	$3.2M	$9.6B	$575B
NFIP claims per 1,000 residents	11.2	3.3	8.1
Average paid NFIP claim	$11K	$24K	$43K
Claims per 100 policies in force, last 10 years	0.0	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

Tornado: 6Wind: 1

Hail: 13Tornado: 3Wind: 5

Hail: 7Tornado: 1Wind: 2

Hail: 48Tornado: 10Wind: 15

Hail: 68Tornado: 4Wind: 42Winter: 5Cold: 2Fog: 1

Hail: 83Tornado: 1Flood: 3Wind: 64Winter: 16Heat: 3Drought: 16Fog: 2Other: 3

Hail: 54Tornado: 4Flood: 2Wind: 49Winter: 11Drought: 67

Hail: 13Tornado: 9Wind: 36Winter: 4Heat: 57Cold: 7Drought: 61

71950s211960s101970s731980s1221990s1912000s1872010s1872020s

Recorded events in Harmon County by decade and hazard group. HailTornadoFloodWindWinterHeatColdDroughtFogOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 452 events in the 20 years to 2025 against 248 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

Hail286

Wind214

Drought144

Heat60

Tornado38

Winter36

Cold9

Flood5

Fog3

Other3

Hazard	Events	Deaths	Share of state's events
■ Hail	286	—	0.9%	detail
■ Wind	214	—	0.9%	detail
■ Drought	144	—	2.2%
■ Heat	60	—	1.3%
■ Tornado	38	—	0.8%	detail
■ Winter	36	—	0.9%	detail
■ Cold	9	—	1.4%
■ Flood	5	—	0.1%
■ Fog	3	—	1.0%
■ Other	3	—	1.3%

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
6 May 1965	Tornado	Tornado	F2	$250K	—	—	2	County
17 Apr 1976	Tornado	Tornado	F1	$25K	—	—	2	County
1 Jun 1955	Tornado	Tornado	F1	$3K	—	—	2	County
1 Aug 2000	Drought	Drought	—	—	$8.3M	—	—	Forecast zone
8 Oct 1999	Hail	Hail	1.25 in	—	$640K	—	—	County
27 Dec 2015	Ice Storm	Winter	—	$513K	—	—	—	Forecast zone
12 Dec 1993	Thunderstorm Wind	Wind	70 mph	$500K	—	—	—	County
28 Apr 2006	Hail	Hail	2.75 in	$350K	—	—	—	County
1 Sep 2006	Drought	Drought	—	$20K	$250K	—	—	Forecast zone
6 May 1968	Tornado	Tornado	F2	$250K	—	—	—	County
13 May 1983	Tornado	Tornado	F2	$250K	—	—	—	County
13 May 1983	Tornado	Tornado	F2	$250K	—	—	—	County
13 May 1983	Tornado	Tornado	F2	$250K	—	—	—	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
24 Feb 2021	DR-4587	Major disaster	Severe Ice Storm	Severe Winter Storms	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
25 Jun 2018	DR-4373	Major disaster	Fire	Wildfires	Public assistance
10 Feb 2016	DR-4256	Major disaster	Severe Storm	Severe Winter Storms And Flooding	Public assistance
26 May 2015	DR-4222	Major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, And Flooding	Public assistance
2 Feb 2011	EM-3316	Emergency	Severe Storm	Severe Winter Storm	Public assistance
5 Mar 2010	DR-1883	Major disaster	Severe Ice Storm	Severe Winter Storm	Public 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
9 Jul 2008	DR-1775	Major disaster	Severe Storm	Severe Storms And Flooding	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
10 Jan 2006	DR-1623	Major disaster	Fire	Extreme Wildfire Threat	Public assistance
5 Sep 2005	EM-3219	Emergency	Hurricane	Hurricane Katrina Evacuation	Public assistance
1 Feb 2002	DR-1401	Major disaster	Severe Ice Storm	Severe Winter Ice Storm	Individual assistance, Public assistance
5 Jan 2001	DR-1355	Major disaster	Severe Ice Storm	Severe Winter Ice Storm	Public assistance
1 Sep 1995	DR-1066	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
26 Jun 1995	DR-1058	Major disaster	Tornado	Tornadoes, Severe Storms And Flooding	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

197820022026

NFIP claims by year of loss in Harmon County, 1978 to 2026 (hover for the amount paid).

Claims since 197827

Paid claims17

Total paid$195K

Average paid claim$11K

Repetitive-loss properties10 severe

Residential policies in force50.3% of 1,544 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2016	2	2	$80,347	$40,174
2015	1	1	$4,917	$4,917
2007	4	3	$27,818	$9,273
2004	1	1	$63	$63
1995	4	3	$22,801	$7,600
1990	1	1	$12,700	$12,700
1987	5	1	$9,711	$9,711
1986	3	3	$35,945	$11,982
1984	1	0	$0	—
1983	2	1	$946	$946
1979	3	1	$131	$131

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

Overall riskVery Lowscore 10.2 of 100

Expected annual loss$3.3MVery Low

Social vulnerabilityVery High

Community resilienceVery Low

Hazard (NRI)	Risk rating	Expected annual loss
Drought	Relatively High	$1,315,288
Strong wind	Relatively Moderate	$472,795
Tornado	Relatively Low	$426,361
Inland flooding	Very Low	$399,286
Hail	Relatively Low	$272,125
Cold wave	Very Low	$163,556
Ice storm	Relatively Low	$79,750
Heat wave	Very Low	$69,521
Wildfire	Very Low	$50,202
Earthquake	Very Low	$20,637
Winter weather	Relatively Low	$16,587
Lightning	Very Low	$11,759
Hurricane	Very Low	$3,050
Landslide	Very Low	$91

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

Tracks within 100 miles1

Tracks within 50 miles0

Hurricane strength within 50 miles0

Storm	Year	Closest approach	Max wind while within 100 mi
Erin	2007	83 mi	58 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

73550 27

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 Harmon County, OK?

NCEI records 286 hail events in Harmon County since 1950, in 53 different years; that is about 3.7 recorded events a year. 101 reports were golf-ball size (1.75 in) or larger.

Has Harmon County had a tornado?

Yes. NCEI records 38 tornadoes in Harmon County since 1950, 5 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.

When was the last federal disaster declaration for Harmon County?

24 Feb 2021: Severe Winter Storms, a major disaster declaration for severe ice storm. The county appears in 20 declarations since 1953.

How many flood insurance claims have been filed in Harmon County, and how much was paid?

27 NFIP claims since 1978, 17 of them paid, for $195K in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Harmon County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Very Low" for overall risk, "Very Low" for expected annual loss, "Very High" for social vulnerability and "Very Low" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Harmon County compare with the rest of Oklahoma?

148.5 recorded events per 100 square miles against 120.9 statewide, and 11.2 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.