Property Atlas

County hazard profile

Kay, OK

Oklahoma · pop. 43,578 · FIPS 40071

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 Kay $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 79.87/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively High 67.4/100
national median ~50 near the national middle (67th percentile)
Community resilienceRelatively Moderate 47.84/100
national median ~50 near the national middle (48th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kay

The National Flood Insurance Program has paid 344 flood-insurance claims totaling $3.2M in Kay since 1979. The costliest year was 2008 ($1.3M paid).

Flood-insurance dollars paid by year of loss

1979: $19,156 paid 1981: $964 paid 1982: $0 paid 1983: $0 paid 1984: $1,548 paid 1985: $10,207 paid 1986: $138,015 paid 1987: $42,224 paid 1988: $35,051 paid 1992: $12,119 paid 1993: $192,809 paid 1994: $0 paid 1995: $67,994 paid 1996: $8,947 paid 1997: $134,575 paid 1998: $307,494 paid 1999: $2,697 paid 2000: $4,434 paid 2001: $12,752 paid 2002: $221,772 paid 2003: $643 paid 2004: $1,803 paid 2005: $50,648 paid 2007: $46,826 paid 2008: $1,266,142 paid 2009: $49,840 paid 2010: $1,566 paid 2012: $142,399 paid 2014: $2,605 paid 2015: $12,008 paid 2016: $14,698 paid 2018: $12,276 paid 2019: $303,224 paid 2021: $0 paid 2023: $0 paid 2025: $74,362 paid 2008 · $1.3M 1979 2025
$3.2M
total paid
$9,278
average claim
$83K
largest single claim
82%
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 Kay, OK and where it ranks among U.S. counties. It is not a verdict on whether Kay 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.