Property Atlas

County hazard profile

Wagoner, OK

Oklahoma · pop. 80,907 · FIPS 40145

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Wagoner $35M

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 73.25/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityRelatively Low 28.37/100
national median ~50 lower than most counties (28th percentile)
Community resilienceRelatively Moderate 43/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wagoner

The National Flood Insurance Program has paid 340 flood-insurance claims totaling $9.7M in Wagoner since 1978. The costliest year was 2019 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $519 paid 1979: $2,256 paid 1980: $53,352 paid 1981: $678 paid 1982: $7,177 paid 1983: $0 paid 1984: $468,546 paid 1985: $11,855 paid 1986: $594,571 paid 1988: $0 paid 1989: $30,847 paid 1990: $14,071 paid 1992: $35,571 paid 1993: $65,639 paid 1994: $4,035 paid 1995: $20,214 paid 1998: $90,780 paid 1999: $457,555 paid 2000: $279,194 paid 2001: $0 paid 2002: $5,744 paid 2006: $1,268,800 paid 2007: $12,112 paid 2008: $1,939,633 paid 2009: $53,084 paid 2010: $0 paid 2011: $22,258 paid 2012: $4,948 paid 2013: $358,638 paid 2014: $0 paid 2015: $1,149,244 paid 2016: $0 paid 2018: $0 paid 2019: $2,428,027 paid 2021: $93,086 paid 2022: $87,732 paid 2025: $107,957 paid 2019 · $2.4M 1978 2025
$9.7M
total paid
$28,436
average claim
$284K
largest single claim
69%
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 Wagoner, OK and where it ranks among U.S. counties. It is not a verdict on whether Wagoner 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.