Harmon County, OK: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Harmon County scores at the 3.8th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 6 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Harmon County
3.3% of the homes FEMA requires to carry flood insurance in Harmon County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 5 policies against 152 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Harmon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Harmon County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Harmon County ranks 3032 — 1 being the highest hazard nationally — and 3016 by population among all 3144 counties covered here, where 1 is the largest. Harmon County, Oklahoma covers 537.258 square miles and counts roughly 2,315 residents.
Your street may differ from Harmon County's average
FEMA counts 1,544 residential structures in Harmon County overall, 5 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Harmon 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.