Natural hazards · Fairmont

Fairmont, OK natural hazards

Most of the natural-hazard damage FEMA expects in Fairmont comes from cold waves, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Fairmont?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairmont to be higher than in 48% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves39%Tornadoes20%Inland flooding19%Hail5%Heat waves5%Everything else13%

By hazard

What Fairmont faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

39% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 9 years in the area

Inland flooding

19% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Hail

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 9 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Fairmont flood?

FEMA's records show no paid flood insurance claims in Fairmont.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fairmont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Garfield County.

Disasters that hit Fairmont

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Fairmont itself: aid to households, or repair grants to the Town of Fairmont.

Brought FEMA money into FairmontDeclared for Garfield County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

1 household applied for aid $12K aid approved

2002

Severe Winter Ice Storm

$3K to the Town of Fairmont for repairs

Garfield County has had 21 natural disasters declared since 1953, most often severe storms and ice storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Fairmont is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Fairmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fairmont. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.