Storm risk in Cleveland County, Oklahoma

FEMA's overall hazard score for Cleveland County is 91.28 (Relatively Moderate), 275th of 3,144 counties. Hail scores 98.82 (Relatively High), strong wind 96.28 (Relatively High) and tornado 96.31 (Relatively High). Expected hail loss is $225 per $1 million of buildings a year; NOAA logged 365 hail reports in Cleveland County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Cleveland County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of OK$0.1$1$10$100$1,000Hail: $225 per $1 million, 136th of 3,126 rated counties$225Hail136th of 3,126 countiesStrong wind: $17 per $1 million, 1,747th of 3,121 rated counties$17Strong wind1,747th of 3,121 countiesTornado: $371 per $1 million, 774th of 3,144 rated counties$371Tornado774th of 3,144 counties
  • Cleveland County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Cleveland County

HazardRatingScore (0 to 100)Rank in U.S.Rank in OK
OverallRelatively Moderate 91.28275 of 3,1443 of 77
HailRelatively High 98.8238 of 3,1262 of 77
Strong windRelatively High 96.28118 of 3,1264 of 77
TornadoRelatively High 96.31117 of 3,1264 of 77

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$10,493,181$225 $161$22 136 of 3,12614 of 77
Strong wind$782,969$17 $41$20 1,747 of 3,12166 of 77
Tornado$17,312,129$371 $596$199 774 of 3,14469 of 77

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Cleveland County

  • FEMA expects hail in Cleveland County to cost $225 per $1 million of buildings a year: 10.06 times the U.S. median and 1.40 times the OK county median, ranked 136th of 3,126 counties nationally and 14th of 77 in Oklahoma.
  • FEMA expects strong wind in Cleveland County to cost $17 per $1 million of buildings a year: 0.82 times the U.S. median and 0.41 times the OK county median, ranked 1,747th of 3,121 counties nationally and 66th of 77 in Oklahoma.
  • FEMA expects tornado in Cleveland County to cost $371 per $1 million of buildings a year: 1.86 times the U.S. median and 0.62 times the OK county median, ranked 774th of 3,144 counties nationally and 69th of 77 in Oklahoma.
  • Applying FEMA's estimate to a $222,800 home, the average yearly loss in Cleveland County is about $50 for hail and $3.74 for wind before any deductible; at the U.S. median county rates it would be $4.98 and $4.54.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Cleveland County meets about 91.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1990, the median home in Cleveland County is 36 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 63.6% of its 123,193 homes are at least 26 years old.
  • March to June holds 286 of the 365 hail reports in Cleveland County (78 percent); the quietest month is December, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Cleveland County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$50hail, a year; $4.98 at the U.S. median county rate
$3.74strong wind, a year; $4.54 at the U.S. median county rate
$1,076hail and wind together over 20 years, at today’s rate

Formula: home value × Cleveland County yearly loss ÷ building value. Hail: $10,493,181 ÷ $46,683,231,625 = 0.0002248. Wind: $782,969 ÷ $46,683,231,625 = 0.0000168. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Cleveland County in plain numbers

  • Cleveland County scores 91.28 in FEMA's overall hazard index (Relatively Moderate): 275th of 3,144 rated counties and 3rd of 77 in Oklahoma.
  • Hail scores 98.82 (Relatively High). FEMA expects $10,493,181 of hail damage to buildings in Cleveland County a year, which is $225 per $1 million of buildings, 10.06 times the U.S. median.
  • Strong wind scores 96.28 (Relatively High) with $782,969 of expected yearly building loss in Cleveland County: $17 per $1 million of buildings, 0.82 times the U.S. median.
  • Tornado scores 96.31 (Relatively High) and FEMA's expected yearly tornado loss is $17,312,129, counting everything exposed, or $371 per $1 million of buildings in Cleveland County.
  • FEMA's own event record for Cleveland County averages 11.49 hail events and 5.35 strong-wind events a year.
  • NOAA logged 365 hail reports in Cleveland County between 2014 and June 2026, on 59 days with stones of 1 inch or more; the largest was 3.41 inches.
  • In Cleveland County, FEMA counts buildings worth 46.68 billion dollars and 295,221 residents.
  • Social vulnerability is Relatively Low in Cleveland County.
  • Community resilience there is Relatively Moderate, for 295,221 residents.
  • 2 cities in Cleveland County are covered on this site: Norman, Moore. 13 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Norman is $5,950 to $13,175.
  • Cleveland County ranks 12 of the 194 counties with a page here for hail loss per $1 million of buildings, 71 for wind and 48 for tornado.
  • In Cleveland County, May is the busiest month with 114 of the 365 reports (31 percent), against 2 reports in November.
  • Cleveland County's worst year was 2025, with 10 hail days at 1 inch or more and 71 reports. At the 2014 to 2025 pace that is 4.58 such days a year, one about every 2.6 months.
  • The median home in Cleveland County was built in 1990; 33.1% of its 123,193 housing units date from before 1980, 63.6% from before 2000 and 17.1% from 2010 on.
  • Census puts the median home value in Cleveland County at $222,800, and 64.1% of homes are lived in by their owners.
  • 8,423 single-family building permits were issued in Cleveland County from 2014 to 2025, about 68.4 per 1,000 homes, peaking in 2014.
  • NOAA lists 42 tornado tracks in Cleveland County since 2014; the strongest was an EF3 on November 3, 2024 near Moore, 1 miles long.
  • The fastest gust in NOAA's records for Cleveland County is 105 mph on May 6, 2024 at Moore.
  • The nearest county with a page here is Oklahoma County, 27 miles from the centre of Cleveland County; its hail score is 99.65.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 53 roofing contractor establishments in Cleveland County in 2023, one for every 2,324 homes.
  • FEMA has named Cleveland County in 8 disaster declarations since 2014, the latest 482 days before its data end, and 2 of them were storm-type.

The hail record of Cleveland County, year by year

NOAA logged 365 reports in Cleveland County; hail of 1 inch or more fell on 59 days. That is 4.6 such days a year; the median county in NOAA’s file has 1.8.

Cleveland County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more01020304050607080901002014: 7 reports, 2 days at 1 inch or more, largest 2 inch142015: 16 reports, 4 days at 1 inch or more, largest 2.5 inch152016: 13 reports, 6 days at 1 inch or more, largest 1.75 inch162017: 17 reports, 5 days at 1 inch or more, largest 1.75 inch172018: 6 reports, 2 days at 1 inch or more, largest 1 inch182019: 19 reports, 6 days at 1 inch or more, largest 2 inch192020: 43 reports, 4 days at 1 inch or more, largest 3.41 inch202021: 17 reports, 3 days at 1 inch or more, largest 3 inch212022: 11 reports, 3 days at 1 inch or more, largest 1.75 inch222023: 92 reports, 7 days at 1 inch or more, largest 2.25 inch232024: 33 reports, 3 days at 1 inch or more, largest 2 inch242025: 71 reports, 10 days at 1 inch or more, largest 2.75 inch252026: 20 reports, 4 days at 1 inch or more, largest 2.75 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Cleveland County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 3 reports3FebMarch: 17 reports17MarApril: 110 reports110AprMay: 114 reports114MayJune: 45 reports45JunJuly: 6 reports6JulAugust: 27 reports27AugSeptember: 25 reports25SepOctober: 15 reports15OctNovember: 2 reports2NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 114 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20147212 in–
201516422.5 in–
201613621.75 in–
201717511.75 in–
20186201 in–
201919622 in–
202043423.41 in–
202117323 in–
202211311.75 in–
202392712.25 in–
202433312 in–
2025711042.75 in–
2026 (to June)20412.75 in–

Biggest hail days in Cleveland County

DateLargest stoneReports that dayDamage reportedNear
May 4, 20203.41 in19none recordedLake Thunderbird Dam
April 28, 20213 in11none recordedNorman
October 10, 20213 in5none recordedNorman
May 25, 20252.75 in30none recorded(Oun)Norman Westheimer Arpt
May 8, 20262.75 in13none recordedLake Thunderbird Dam

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Cleveland County the big stones fell.

Reported hail locations, Cleveland County

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  • 691 to 1.74 in
  • 521.75 to 2.74 in, golf ball to tennis ball
  • 192.75 in and up, baseball

Largest plotted stone: 3.41 in. Bigger dots are bigger stones.

295 reports of 1 inch or larger have coordinates; the map shows the 140 largest. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Cleveland County

Fastest gusts in Cleveland County

DateGustNear
May 6, 2024105 mphMoore
October 26, 202190 mphLake Thunderbird Dam
May 19, 201885 mphLexington
July 11, 202085 mphLexington

Strongest tornado tracks in Cleveland County

DateScaleLengthInjured / killedNear
November 3, 2024EF31 mi0 / 0Moore
April 19, 2023EF25.4 mi0 / 0Slaughterville
April 19, 2023EF23.5 mi0 / 0Lake Thunderbird Dam
February 26, 2023EF220 mi12 / 0Norman

42 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Cleveland County’s 2014 to 2025 pace of 4.58 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Cleveland County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 2.1% of homes2.1%<19404171940s: 1.7% of homes1.7%1940s3711950s: 3.7% of homes3.7%1950s3251960s: 9.0% of homes9%1960s2801970s: 16.7% of homes16.7%1970s2341980s: 17.3% of homes17.3%1980s1881990s: 13.2% of homes13.2%1990s1422000s: 19.3% of homes19.3%2000s962010s: 15.9% of homes15.9%2010s502020+: 1.2% of homes1.2%2020+14

Bars: share of 123,193 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1990
Built before 198033.1%
Built before 200063.6%
Built since 201017.1%
Owner-occupied64.1%
Median home value$222,800
Single-family permits, 2014 to 20258,423
Permits per 1,000 homes68.4

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Cleveland County

Roofing firms in Cleveland County

Roofing contractor establishments, 202353
Change since 2016+18 (+51%)
Homes per roofing firm2,324
Median across counties5,189
Employees, 2023243

Source for Cleveland County: Census County Business Patterns, NAICS 238160. Full roofing-market page for Cleveland County.

FEMA disaster declarations naming Cleveland County since 2014

Declarations naming Cleveland County8
Storm / flood / winter / fire2 / 0 / 3 / 3
Median OK county8
Rank among 72 OK counties34
Days from the latest to the data cutoff482

Source for Cleveland County: OpenFEMA, data to 2026-09-15.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Cleveland County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Oklahoma County, OK27 Relatively High $1830.81$5.630.34427
Comanche County, OK70 Relatively Moderate $960.43$1136.71230
Garfield County, OK87 Relatively Moderate $1620.72$221.34122
Tulsa County, OK103 Relatively High $510.23$573.42340

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Cleveland County

2 cities in this county are on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 13 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Norman 73069 (100%), 73071 (100%), 73072 (66%), 73075 (0%) Roofers
Moore 73064 (0%), 73061 (0%), 73062 (0%), 73058 (0%), 73072 (66%) Roofers

Storm hit your roof in Cleveland County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Cleveland County?

FEMA's National Risk Index gives Cleveland County an overall score of 91.28 (Relatively Moderate), 275th of 3,144. Hail scores 98.82 (Relatively High), strong wind 96.28 (Relatively High) and tornado 96.31 (Relatively High).

In Cleveland County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 365 for Cleveland County between 2014 and June 2026, on 59 days with hail of 1 inch or more; the largest stone was 3.41 inches.

What do hail and wind cost a home in Cleveland County each year, on average?

Applying FEMA's county rates to its median home value of $222,800: FEMA's estimate is about $50 a year for hail and $3.74 for wind, before any deductible, against $4.98 and $4.54 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Cleveland County compare with the rest of Oklahoma?

Per $1 million of buildings Cleveland County loses $225 to hail a year, against $161 in the median county of the state. Among 77 rated counties it is 2nd for hail, 4th for strong wind and 4th for tornado.

How old are the roofs in Cleveland County?

The median home was built in 1990, 36 years ago, and 63.6% of the 123,193 housing units in Cleveland County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Cleveland County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Cleveland County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Cleveland County; Census County Business Patterns, roofing firms in Cleveland County; OpenFEMA, declarations naming Cleveland County. Planning-level information about Cleveland County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).