Kay County, OK flood risk explained
Flood hazard in Kay County sits at the 69.8th 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 2.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Kay County's flood-insurance compliance gap
8.3% of the homes FEMA requires to carry flood insurance in Kay County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 87 policies against 1,051 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Kay County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Kay County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Kay County ranks 990 — 1 being the highest hazard nationally — and 1128 by population among all 3144 counties covered here, where 1 is the largest. Kay County, Oklahoma is home to about 43,437 people across 919.61 square miles of land.
What to do next if you own or are buying in Kay County
FEMA counts 20,401 residential structures in Kay County overall, 98 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Kay 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.