Property Atlas

County hazard profile

Grady, OK

Oklahoma · pop. 54,565 · FIPS 40051

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$34M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Grady $34M

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 75.73/100
national median ~50 higher than 76% of counties
Social vulnerabilityRelatively Moderate 42.43/100
national median ~50 near the national middle (42nd percentile)
Community resilienceRelatively Moderate 44.94/100
national median ~50 near the national middle (45th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Grady

The National Flood Insurance Program has paid 229 flood-insurance claims totaling $5.0M in Grady since 1978. The costliest year was 2007 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $7,225 paid 1982: $0 paid 1983: $148,806 paid 1985: $198 paid 1986: $336,147 paid 1987: $322,529 paid 1989: $49,480 paid 1990: $0 paid 1992: $63,297 paid 1993: $468,089 paid 1995: $113,294 paid 1999: $25,340 paid 2000: $346,944 paid 2005: $2,594 paid 2006: $1,134 paid 2007: $1,967,211 paid 2008: $2,552 paid 2013: $257,194 paid 2015: $684,760 paid 2017: $72,327 paid 2018: $80,888 paid 2019: $549 paid 2020: $0 paid 2007 · $2.0M 1978 2020
$5.0M
total paid
$21,618
average claim
$370K
largest single claim
81%
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 Grady, OK and where it ranks among U.S. counties. It is not a verdict on whether Grady 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.