Property Atlas

County hazard profile

Stephens, OK

Oklahoma · pop. 42,776 · FIPS 40137

Relatively Low
FEMA risk rating · RATING
Hail
dominant hazard
$23M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Stephens $23M

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 65.94/100
national median ~50 near the national middle (66th percentile)
Social vulnerabilityRelatively Moderate 52.8/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Low 26.97/100
national median ~50 lower than most counties (27th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Stephens

The National Flood Insurance Program has paid 91 flood-insurance claims totaling $919K in Stephens since 1978. The costliest year was 2025 ($298K paid).

Flood-insurance dollars paid by year of loss

1978: $1,714 paid 1979: $0 paid 1981: $2,487 paid 1982: $17,160 paid 1984: $1,232 paid 1985: $1,387 paid 1986: $0 paid 1987: $20,378 paid 1988: $99,887 paid 1989: $10,703 paid 1990: $7,626 paid 1991: $23,797 paid 1992: $13,852 paid 1995: $18,774 paid 1996: $4,582 paid 2000: $590 paid 2007: $267,748 paid 2008: $953 paid 2009: $16,280 paid 2011: $0 paid 2015: $7,447 paid 2016: $75,325 paid 2017: $22,313 paid 2019: $6,291 paid 2025: $298,183 paid 2026: $0 paid 2025 · $298K 1978 2026
$919K
total paid
$10,096
average claim
$125K
largest single claim
54%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Stephens, OK and where it ranks among U.S. counties. It is not a verdict on whether Stephens 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.