Property Atlas

County hazard profile

Muskogee, OK

Oklahoma · pop. 66,200 · FIPS 40101

Relatively Moderate
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 Muskogee $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 Moderate 82.03/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively High 79.87/100
national median ~50 higher than 80% of counties
Community resilienceRelatively Moderate 41.51/100
national median ~50 near the national middle (42nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Muskogee

The National Flood Insurance Program has paid 260 flood-insurance claims totaling $15.8M in Muskogee since 1979. The costliest year was 2019 ($8.2M paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1982: $1,294 paid 1984: $5,184 paid 1986: $206,152 paid 1987: $3,755 paid 1990: $334,100 paid 1991: $1,841 paid 1992: $5,427 paid 1993: $12,735 paid 1996: $423,453 paid 1997: $94,784 paid 1998: $16,499 paid 1999: $52,811 paid 2000: $329,676 paid 2001: $3,494 paid 2004: $593,688 paid 2007: $4,061 paid 2008: $35,262 paid 2009: $23,083 paid 2010: $400,015 paid 2011: $47,426 paid 2013: $1,507 paid 2014: $46,645 paid 2015: $489,847 paid 2017: $506,524 paid 2019: $8,221,802 paid 2020: $245,067 paid 2022: $3,590,540 paid 2023: $0 paid 2025: $84,101 paid 2019 · $8.2M 1979 2025
$15.8M
total paid
$60,695
average claim
$1.0M
largest single claim
60%
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 Muskogee, OK and where it ranks among U.S. counties. It is not a verdict on whether Muskogee 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.