Garvin County, OK: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Garvin County scores at the 54.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Garvin County
4% of the homes FEMA requires to carry flood insurance in Garvin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 65 policies against 1,623 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Garvin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Garvin County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Garvin County ranks 1483 — 1 being the highest hazard nationally — and 1571 by population among all 3144 counties covered here, where 1 is the largest. Garvin County, Oklahoma is home to about 26,149 people across 802.146 square miles of land.
Your street may differ from Garvin County's average
67 of Garvin County's 11,674 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Garvin 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.