Is Hughes County, OK in a flood zone?
FEMA's National Risk Index puts Hughes County's flood hazard at the 17.5th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 68 homes FEMA counts inside Hughes County's mapped flood zone, 4 carry the flood policy federal law requires there — 5.9% compliance, short of full coverage. Across all residential structures in Hughes County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Hughes County against the rest of the country
Hughes County sits at rank 2628 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2199 of 3144 by population (1 is biggest). Hughes County, Oklahoma covers 804.473 square miles and counts roughly 13,371 residents.
Checking a specific address in Hughes County
FEMA counts 6,515 residential structures in Hughes County overall, 7 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Hughes County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.