Property Atlas

County hazard profile

Tulsa, OK

Oklahoma · pop. 668,481 · FIPS 40143

Relatively High
FEMA risk rating · RATING
Ice Storm
dominant hazard
$292M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Tulsa $292M

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 97.9/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 51.15/100
national median ~50 near the national middle (51st percentile)
Community resilienceRelatively Moderate 43.67/100
national median ~50 near the national middle (44th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Tulsa

The National Flood Insurance Program has paid 3,812 flood-insurance claims totaling $71.2M in Tulsa since 1978. The costliest year was 1984 ($31.1M paid).

Flood-insurance dollars paid by year of loss

1978: $12,012 paid 1979: $844,549 paid 1980: $230,938 paid 1981: $142,572 paid 1982: $109,553 paid 1983: $47,246 paid 1984: $31,114,535 paid 1985: $409,342 paid 1986: $7,245,626 paid 1987: $35,929 paid 1988: $37,249 paid 1989: $36,256 paid 1990: $153,169 paid 1991: $17,714 paid 1992: $3,343 paid 1993: $537,061 paid 1994: $631,481 paid 1995: $1,061,610 paid 1996: $9,492 paid 1997: $124,790 paid 1998: $360,494 paid 1999: $478,973 paid 2000: $3,858,147 paid 2001: $2,910 paid 2002: $373,337 paid 2003: $80,075 paid 2004: $221,636 paid 2005: $0 paid 2006: $46,887 paid 2007: $275,392 paid 2008: $604,754 paid 2009: $436,707 paid 2010: $68,070 paid 2011: $53,449 paid 2012: $15,108 paid 2013: $7,781 paid 2015: $1,115,292 paid 2016: $17,863 paid 2017: $10,643 paid 2018: $98,047 paid 2019: $18,418,684 paid 2020: $0 paid 2021: $138,532 paid 2022: $953,746 paid 2024: $2,645 paid 2025: $721,976 paid 1984 · $31.1M 1978 2025
$71.2M
total paid
$18,669
average claim
$1.0M
largest single claim
57%
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 Tulsa, OK and where it ranks among U.S. counties. It is not a verdict on whether Tulsa 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.