Caddo County, Oklahoma Natural Disaster Risk
FEMA National Risk Index assessment · OK
LowComposite Risk Score
National percentile: 63th
Caddo County faces low composite natural disaster risk (NRI Risk Index score 63.4, 63th national percentile), driven primarily by ice storm and drought exposure. Expected annual loss across all 18 hazard types is $17M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
FEMA's National Risk Index rates Caddo County at low composite risk, with a National Risk Index score of 63.4 out of 100 — placing it in the 63rd national percentile and below the national average for natural-disaster risk. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Most of Caddo County's expected losses come from ice storm (freezing rain that coats surfaces in heavy, damaging ice) at High risk — $832K in expected annual loss and about 1.32 events per year; drought (extended dry periods that stress water supplies and agriculture) at Medium risk — $1M in expected annual loss and about 54.92 events per year; and hail (ice stones from severe thunderstorms that damage property and crops) at Medium risk — $1M in expected annual loss and about 11.82 events per year. Across all hazards, FEMA estimates $17M in expected annual loss for a population of 27K.
Beyond physical exposure, Caddo 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.
The county's disaster history tells the same story: Caddo County has received 44 federal disaster declarations since 1982, including 19 for severe storm events and 11 for severe ice storm events. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (severe storm), declared in June 2024.
Among 77 Oklahoma counties, Caddo County ranks #33 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Ice Storm | High | 1.32 / yr | $832K |
| Drought | Medium | 54.92 / yr | $1M |
| Hail | Medium | 11.82 / yr | $1M |
| Wildfire | Low | 0.00 / yr | $533K |
| Tornado | Medium | 1.40 / yr | $3M |
| Cold Wave | Medium | 1.84 / yr | $3M |
| Strong Wind | Medium | 5.85 / yr | $834K |
| Heat Wave | Low | 12.26 / yr | $793K |
| Landslide | Low | 0.38 / yr | $5K |
| Winter Weather | Medium | 9.26 / yr | $88K |
| Earthquake | Very Low | 0.00 / yr | $310K |
| Riverine Flood | Low | 1.54 / yr | $6M |
| Lightning | Low | 50.02 / yr | $128K |
| Hurricane | Very Low | 0.01 / yr | $20K |
| 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
Caddo County has received 44 federal disaster declarations since 1982, most recently Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in June 2024. Most frequent causes: Severe Storm (19), Severe Ice Storm (11), Flood (6).
| Declared | Type | Disaster |
|---|---|---|
| June 2024 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding |
| February 2021 | Severe Ice Storm | Severe Winter Storms |
| February 2021 | Severe Ice Storm | Severe Winter Storm |
| December 2020 | Severe Ice Storm | Severe Winter Storm |
| April 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| June 2019 | Severe Storm | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding |
| May 2017 | Severe Storm | Severe Storms, Tornadoes, and Flooding |
| July 2016 | Flood | Severe Storms and Flooding |
| February 2016 | Severe Storm | Severe Winter Storms and Flooding |
Showing the 10 most recent of 44 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Caddo County?
Caddo County has a composite FEMA National Risk Index score of 63.4 out of 100, placing it in the Low category and the 63th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Caddo County?
The three highest-rated hazards are Ice Storm (High, $832K EAL), Drought (Medium, $1M EAL), Hail (Medium, $1M EAL). These account for most of the county's expected annual losses.
How does Caddo County compare to other Oklahoma counties?
Caddo County ranks #33 of 77 Oklahoma counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Caddo County had?
FEMA records 44 federal disaster declarations for Caddo County since 1982, most often 19 for severe storm events and 11 for severe ice storm events. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, declared in June 2024.
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. Caddo County's $17M EAL is a statistical average, not a guarantee for any specific year or address.