Natural Disaster Risk in Garfield County
Oklahoma
Risk Summary for Garfield County
Garfield County scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Garfield County, Oklahoma
Garfield County, in the United States in Oklahoma, is characterized by its semi-arid climate — hot summers, variable winters, and exposure at the center of Tornado Alley. The county faces a globally significant tornado season that peaks in spring, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.
According to FEMA's National Risk Index, Garfield County carries an overall risk score of 6.9/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to ice storm and hail.
Within Oklahoma, Garfield County's risk is, slightly above the 6.4/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Garfield County identifies cold wave as the foremost hazard, followed by ice storm and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Garfield County residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Garfield County: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Cities in Garfield County
ZIP codes in Garfield County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.