Storm risk in Garfield County, Oklahoma

FEMA's overall hazard score for Garfield County is 82.09 (Relatively Moderate), 564th of 3,144 counties. Hail scores 93.19 (Relatively Moderate), strong wind 76.84 (Relatively Moderate) and tornado 92.18 (Relatively High). Expected hail loss is $162 per $1 million of buildings a year; NOAA logged 122 hail reports in Garfield County from 2014 to June 2026.

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

Garfield 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: $162 per $1 million, 265th of 3,126 rated counties$162Hail265th of 3,126 countiesStrong wind: $22 per $1 million, 1,464th of 3,121 rated counties$22Strong wind1,464th of 3,121 countiesTornado: $635 per $1 million, 208th of 3,144 rated counties$635Tornado208th of 3,144 counties
  • Garfield 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 Garfield County

HazardRatingScore (0 to 100)Rank in U.S.Rank in OK
OverallRelatively Moderate 82.09564 of 3,14412 of 77
HailRelatively Moderate 93.19215 of 3,12615 of 77
Strong windRelatively Moderate 76.84729 of 3,12621 of 77
TornadoRelatively High 92.18247 of 3,12615 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$2,014,088$162 $161$22 265 of 3,12638 of 77
Strong wind$279,758$22 $41$20 1,464 of 3,12157 of 77
Tornado$7,897,202$635 $596$199 208 of 3,14436 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 Garfield County

  • FEMA expects hail in Garfield County to cost $162 per $1 million of buildings a year: 7.24 times the U.S. median and 1.01 times the OK county median, ranked 265th of 3,126 counties nationally and 38th of 77 in Oklahoma.
  • FEMA expects strong wind in Garfield County to cost $22 per $1 million of buildings a year: 1.10 times the U.S. median and 0.55 times the OK county median, ranked 1,464th of 3,121 counties nationally and 57th of 77 in Oklahoma.
  • FEMA expects tornado in Garfield County to cost $635 per $1 million of buildings a year: 3.19 times the U.S. median and 1.07 times the OK county median, ranked 208th of 3,144 counties nationally and 36th of 77 in Oklahoma.
  • Applying FEMA's estimate to a $149,800 home, the average yearly loss in Garfield County is about $24 for hail and $3.37 for wind before any deductible; at the U.S. median county rates it would be $3.35 and $3.05.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Garfield County meets about 66.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1971, the median home in Garfield County is 55 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 88.4% of its 27,782 homes are at least 26 years old.
  • March to June holds 88 of the 122 hail reports in Garfield County (72 percent); the quietest month is February, with 0 reports.

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

Enter a home value. The calculator applies Garfield 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.

$24hail, a year; $3.35 at the U.S. median county rate
$3.37strong wind, a year; $3.05 at the U.S. median county rate
$552hail and wind together over 20 years, at today’s rate

Formula: home value × Garfield County yearly loss ÷ building value. Hail: $2,014,088 ÷ $12,442,568,371 = 0.0001619. Wind: $279,758 ÷ $12,442,568,371 = 0.0000225. 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.

Garfield County in plain numbers

  • Garfield County scores 82.09 in FEMA's overall hazard index (Relatively Moderate): 564th of 3,144 rated counties and 12th of 77 in Oklahoma.
  • Hail scores 93.19 (Relatively Moderate). FEMA expects $2,014,088 of hail damage to buildings in Garfield County a year, which is $162 per $1 million of buildings, 7.24 times the U.S. median.
  • Strong wind scores 76.84 (Relatively Moderate) with $279,758 of expected yearly building loss in Garfield County: $22 per $1 million of buildings, 1.10 times the U.S. median.
  • Tornado scores 92.18 (Relatively High) and FEMA's expected yearly tornado loss is $7,897,202, counting everything exposed, or $635 per $1 million of buildings in Garfield County.
  • FEMA's own event record for Garfield County averages 9.12 hail events and 5.35 strong-wind events a year.
  • NOAA logged 122 hail reports in Garfield County between 2014 and June 2026, on 44 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Garfield County, FEMA counts buildings worth 12.44 billion dollars and 62,826 residents.
  • Social vulnerability is Relatively Moderate in Garfield County.
  • Community resilience there is Relatively Moderate, for 62,826 residents.
  • 1 city in Garfield County is covered on this site: Enid. 16 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 Enid is $5,950 to $13,175.
  • Garfield County ranks 19 of the 194 counties with a page here for hail loss per $1 million of buildings, 52 for wind and 16 for tornado.
  • In Garfield County, May is the busiest month with 56 of the 122 reports (46 percent), against 0 reports in November.
  • Garfield County's worst year was 2025, with 7 hail days at 1 inch or more and 15 reports. At the 2014 to 2025 pace that is 3.33 such days a year, one about every 3.6 months.
  • The median home in Garfield County was built in 1971; 68.0% of its 27,782 housing units date from before 1980, 88.4% from before 2000 and 6.9% from 2010 on.
  • Census puts the median home value in Garfield County at $149,800, and 64.6% of homes are lived in by their owners.
  • 474 single-family building permits were issued in Garfield County from 2014 to 2025, about 17.1 per 1,000 homes, peaking in 2015.
  • NOAA lists 9 tornado tracks in Garfield County since 2014; the strongest was an EF4 on April 23, 2026 near (End)Vance Afb Enid, 9.5 miles long.
  • The fastest gust in NOAA's records for Garfield County is 107 mph on April 23, 2026 at (End)Vance Afb Enid.
  • The nearest county with a page here is Oklahoma County, 61 miles from the centre of Garfield County; its hail score is 99.65.
  • FEMA has named Garfield County in 5 disaster declarations since 2014, the latest 2029 days before its data end, and 1 of them were storm-type.

The hail record of Garfield County, year by year

NOAA logged 122 reports in Garfield County; hail of 1 inch or more fell on 44 days. That is 3.3 such days a year; the median county in NOAA’s file has 1.8.

Garfield County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0510152025302014: 5 reports, 1 days at 1 inch or more, largest 1.75 inch142015: 8 reports, 2 days at 1 inch or more, largest 2.5 inch152016: 12 reports, 7 days at 1 inch or more, largest 2.17 inch162017: 8 reports, 3 days at 1 inch or more, largest 1.75 inch172018: 9 reports, 3 days at 1 inch or more, largest 1.75 inch182019: 7 reports, 5 days at 1 inch or more, largest 1 inch192020: 13 reports, 4 days at 1 inch or more, largest 2 inch202021: 2 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 6 reports, 2 days at 1 inch or more, largest 1.5 inch222023: 0 reports, 0 days at 1 inch or more, largest 0 inch232024: 26 reports, 5 days at 1 inch or more, largest 2.75 inch242025: 15 reports, 7 days at 1 inch or more, largest 2.5 inch252026: 11 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
Garfield County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 0 reports0FebMarch: 2 reports2MarApril: 27 reports27AprMay: 56 reports56MayJune: 3 reports3JunJuly: 18 reports18JulAugust: 2 reports2AugSeptember: 12 reports12SepOctober: 1 reports1OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 56 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
20145111.75 in–
20158222.5 in–
201612722.17 in–
20178321.75 in$5,000
20189311.75 in–
20197501 in–
202013422 in–
20212111.75 in–
20226201.5 in–
202426542.75 in–
202515732.5 in–
2026 (to June)11422.75 in–

Biggest hail days in Garfield County

DateLargest stoneReports that dayDamage reportedNear
May 25, 20242.75 in14none recordedHillsdale
April 23, 20262.75 in3none recordedDouglas
May 26, 20152.5 in7none recordedLahoma
April 1, 20252.5 in4none recordedHunter
April 17, 20262.5 in4none recordedKremlin

Where large hail was reported

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

Reported hail locations, Garfield County

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  • 671 to 1.74 in
  • 391.75 to 2.74 in, golf ball to tennis ball
  • 22.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

108 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Garfield County

Fastest gusts in Garfield County

DateGustNear
April 23, 2026107 mph(End)Vance Afb Enid
June 26, 202696 mphBreckinridge
February 26, 202390 mph(End)Vance Afb Enid
June 26, 202687 mphFairmont

Strongest tornado tracks in Garfield County

DateScaleLengthInjured / killedNear
April 23, 2026EF49.5 mi1 / 0(End)Vance Afb Enid
May 25, 2016EF25 mi0 / 0Carrier
May 6, 2024EF16.26 mi0 / 0Douglas
April 27, 2024EF10.8 mi0 / 0Hillsdale

9 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 Garfield County’s 2014 to 2025 pace of 3.33 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Garfield 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: 14.6% of homes14.6%<19403031940s: 6.8% of homes6.8%1940s2701950s: 13.2% of homes13.2%1950s2371960s: 13.6% of homes13.6%1960s2031970s: 19.8% of homes19.8%1970s1701980s: 13.7% of homes13.7%1980s1371990s: 6.7% of homes6.7%1990s1032000s: 4.7% of homes4.7%2000s702010s: 6.6% of homes6.6%2010s372020+: 0.3% of homes0.3%2020+10

Bars: share of 27,782 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 built1971
Built before 198068.0%
Built before 200088.4%
Built since 20106.9%
Owner-occupied64.6%
Median home value$149,800
Single-family permits, 2014 to 2025474
Permits per 1,000 homes17.1

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 Garfield County

FEMA disaster declarations naming Garfield County since 2014

Declarations naming Garfield County5
Storm / flood / winter / fire1 / 0 / 4 / 0
Median OK county8
Rank among 72 OK counties62
Days from the latest to the data cutoff2,029

Source for Garfield 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 Garfield County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Oklahoma County, OK61 Relatively High $1831.13$5.630.25427
Cleveland County, OK87 Relatively Moderate $2251.39$170.75365
Tulsa County, OK99 Relatively High $510.31$572.55340
Comanche County, OK127 Relatively Moderate $960.59$1135.01230

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Garfield County

1 city in this county is 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. 16 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Enid 73901 (0%) Roofers

Storm hit your roof in Garfield 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 Garfield County?

FEMA's National Risk Index gives Garfield County an overall score of 82.09 (Relatively Moderate), 564th of 3,144. Hail scores 93.19 (Relatively Moderate), strong wind 76.84 (Relatively Moderate) and tornado 92.18 (Relatively High).

In Garfield 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 122 for Garfield County between 2014 and June 2026, on 44 days with hail of 1 inch or more; the largest stone was 2.75 inches.

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

Applying FEMA's county rates to its median home value of $149,800: FEMA's estimate is about $24 a year for hail and $3.37 for wind, before any deductible, against $3.35 and $3.05 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 Garfield County compare with the rest of Oklahoma?

Per $1 million of buildings Garfield County loses $162 to hail a year, against $161 in the median county of the state. Among 77 rated counties it is 15th for hail, 21st for strong wind and 15th for tornado.

How old are the roofs in Garfield County?

The median home was built in 1971, 55 years ago, and 88.4% of the 27,782 housing units in Garfield 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 Garfield County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Garfield County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Garfield County; OpenFEMA, declarations naming Garfield County. Planning-level information about Garfield 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).