Property Atlas

County hazard profile

Oklahoma, OK

Oklahoma · pop. 795,336 · FIPS 40109

Relatively High
FEMA risk rating · RATING
Ice Storm
dominant hazard
$298M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Oklahoma $298M

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 High 97.93/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 49.08/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively Low 39.31/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Oklahoma

The National Flood Insurance Program has paid 1,714 flood-insurance claims totaling $24.8M in Oklahoma since 1978. The costliest year was 2013 ($5.3M paid).

Flood-insurance dollars paid by year of loss

1978: $38,575 paid 1979: $287,990 paid 1980: $49,167 paid 1981: $259,062 paid 1982: $141,694 paid 1983: $207,106 paid 1984: $22,368 paid 1985: $48,778 paid 1986: $393,448 paid 1987: $359,687 paid 1988: $11,783 paid 1989: $802,431 paid 1990: $371,058 paid 1991: $0 paid 1992: $1,361 paid 1993: $2,398,361 paid 1994: $3,849 paid 1995: $886,803 paid 1996: $21,483 paid 1997: $1,896 paid 1998: $35,017 paid 1999: $29,928 paid 2000: $203,975 paid 2001: $1,400 paid 2002: $0 paid 2003: $7,371 paid 2004: $433,621 paid 2005: $0 paid 2006: $219 paid 2007: $1,152,756 paid 2008: $48,116 paid 2009: $20,170 paid 2010: $4,422,969 paid 2011: $299,132 paid 2012: $81,509 paid 2013: $5,345,683 paid 2014: $543,873 paid 2015: $3,282,625 paid 2016: $0 paid 2017: $492,518 paid 2018: $627,207 paid 2019: $233,557 paid 2020: $756,725 paid 2021: $357,498 paid 2022: $51,422 paid 2023: $0 paid 2024: $19,885 paid 2025: $15,337 paid 2013 · $5.3M 1978 2025
$24.8M
total paid
$14,451
average claim
$383K
largest single claim
41%
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 Oklahoma, OK and where it ranks among U.S. counties. It is not a verdict on whether Oklahoma 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.