Property Atlas

County hazard profile

Cherokee, OK

Oklahoma · pop. 47,015 · FIPS 40021

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$28M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Cherokee $28M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 76.91/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively High 70.48/100
national median ~50 near the national middle (70th percentile)
Community resilienceVery Low 18.96/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cherokee

The National Flood Insurance Program has paid 105 flood-insurance claims totaling $1.9M in Cherokee since 1986. The costliest year was 2015 ($696K paid).

Flood-insurance dollars paid by year of loss

1986: $16,493 paid 1989: $678 paid 1990: $31,971 paid 1996: $8,604 paid 1998: $14,482 paid 2000: $0 paid 2005: $1,347 paid 2007: $0 paid 2008: $105,461 paid 2009: $100,718 paid 2011: $251,967 paid 2013: $68,554 paid 2015: $696,128 paid 2016: $0 paid 2017: $328,116 paid 2019: $5,454 paid 2022: $309,889 paid 2015 · $696K 1986 2022
$1.9M
total paid
$18,475
average claim
$128K
largest single claim
77%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Cherokee, OK and where it ranks among U.S. counties. It is not a verdict on whether Cherokee is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.