Adair County, OK flood risk explained
Flood hazard in Adair County sits at the 59.5th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.5 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Adair County's flood-insurance compliance gap
4.7% of the homes FEMA requires to carry flood insurance in Adair County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 12 policies against 256 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Adair County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Adair County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Adair County ranks 1333 — 1 being the highest hazard nationally — and 1840 by population among all 3144 counties covered here, where 1 is the largest. Adair County, Oklahoma is home to about 19,821 people across 573.881 square miles of land.
Checking a specific address in Adair County
Across all of Adair County's 7,838 residential structures, 13 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Adair County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.