Atoka County, Oklahoma Natural Disaster Risk
FEMA National Risk Index assessment · OK
Very LowComposite Risk Score
National percentile: 30th
Atoka County faces very low composite natural disaster risk (NRI Risk Index score 30.4, 30th national percentile), driven primarily by hail and ice storm exposure. Expected annual loss across all 18 hazard types is $7M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Atoka County carries a very low composite natural disaster risk, with a National Risk Index score of 30.4 out of 100 — placing it in the 30th national percentile and among the lowest-risk counties in the country. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Risk here concentrates in hail (ice stones from severe thunderstorms that damage property and crops) at High risk — $2M in expected annual loss and about 6.14 events per year; ice storm (freezing rain that coats surfaces in heavy, damaging ice) at High risk — $547K in expected annual loss and about 1.47 events per year; and wildfire (uncontrolled fires that spread across wildland and into communities) at Low risk — $502K in expected annual loss and about 0.01 events per year. Across all hazards, FEMA estimates $7M in expected annual loss for a population of 14K.
Beyond physical exposure, Atoka County has a high social vulnerability rating (how susceptible the population is to harm) and a very low community resilience rating (its capacity to prepare for and recover from disasters). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
History supports the rating: Atoka County has received 28 federal disaster declarations since 1970, including 14 for severe storm events and 6 for severe ice storm events. The most recent was Severe Storms, Straight-Line Winds, and Tornadoes (severe storm), declared in July 2023.
Among 77 Oklahoma counties, Atoka County ranks #65 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hail | High | 6.14 / yr | $2M |
| Ice Storm | High | 1.47 / yr | $547K |
| Wildfire | Low | 0.01 / yr | $502K |
| Drought | Medium | 41.18 / yr | $364K |
| Heat Wave | Low | 21.21 / yr | $550K |
| Tornado | Low | 0.75 / yr | $936K |
| Landslide | Very Low | 0.45 / yr | $555 |
| Winter Weather | Low | 5.21 / yr | $29K |
| Hurricane | Very Low | 0.01 / yr | $17K |
| Earthquake | Very Low | 0.00 / yr | $87K |
| Cold Wave | Low | 1.26 / yr | $393K |
| Lightning | Low | 58.48 / yr | $89K |
| Strong Wind | Low | 3.04 / yr | $190K |
| Riverine Flood | Very Low | 0.79 / yr | $2M |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Disaster History
Atoka County has received 28 federal disaster declarations since 1970, most recently Severe Storms, Straight-Line Winds, and Tornadoes in July 2023. Most frequent causes: Severe Storm (14), Severe Ice Storm (6), Biological (2).
| Declared | Type | Disaster |
|---|---|---|
| July 2023 | Severe Storm | Severe Storms, Straight-Line Winds, and Tornadoes |
| February 2021 | Severe Ice Storm | Severe Winter Storms |
| February 2021 | Severe Ice Storm | Severe Winter Storm |
| April 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| July 2019 | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding |
| May 2015 | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding |
| May 2013 | Tornado | Severe Storms, Tornadoes, and Flooding |
| April 2011 | Severe Storm | Severe Storms, Tornadoes, and Straight-Line Winds |
| February 2011 | Severe Storm | Severe Winter Storm |
Showing the 10 most recent of 28 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Atoka County?
Atoka County has a composite FEMA National Risk Index score of 30.4 out of 100, placing it in the Very Low category and the 30th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Atoka County?
The three highest-rated hazards are Hail (High, $2M EAL), Ice Storm (High, $547K EAL), Wildfire (Low, $502K EAL). These account for most of the county's expected annual losses.
How does Atoka County compare to other Oklahoma counties?
Atoka County ranks #65 of 77 Oklahoma counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Atoka County had?
FEMA records 28 federal disaster declarations for Atoka County since 1970, most often 14 for severe storm events and 6 for severe ice storm events. The most recent was Severe Storms, Straight-Line Winds, and Tornadoes, declared in July 2023.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Atoka County's $7M EAL is a statistical average, not a guarantee for any specific year or address.