Property Atlas

County hazard profile

Pontotoc, OK

Oklahoma · pop. 37,975 · FIPS 40123

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$21M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Pontotoc $21M

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 62.91/100
national median ~50 near the national middle (63rd percentile)
Social vulnerabilityRelatively Moderate 50.06/100
national median ~50 near the national middle (50th percentile)
Community resilienceRelatively High 63.68/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pontotoc

The National Flood Insurance Program has paid 22 flood-insurance claims totaling $691K in Pontotoc since 1983. The costliest year was 2021 ($337K paid).

Flood-insurance dollars paid by year of loss

1983: $1,193 paid 2009: $10,411 paid 2010: $10,894 paid 2014: $0 paid 2015: $70,494 paid 2021: $336,641 paid 2024: $160,562 paid 2025: $101,281 paid 2021 · $337K 1983 2025
$691K
total paid
$31,431
average claim
$337K
largest single claim
18%
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 Pontotoc, OK and where it ranks among U.S. counties. It is not a verdict on whether Pontotoc 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.