Carter County, OK flood risk explained
Flood hazard in Carter County sits at the 63.4th 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 once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 285 homes FEMA counts inside Carter County's mapped flood zone, 30 carry the flood policy federal law requires there — 10.5% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Carter County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Carter County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Carter County ranks 1202 — 1 being the highest hazard nationally — and 1020 by population among all 3144 counties covered here, where 1 is the largest. Carter County, Oklahoma is home to about 49,135 people across 822.301 square miles of land.
What to do next if you own or are buying in Carter County
Across all of Carter County's 21,182 residential structures, 40 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Carter 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.