Lincoln County, OK flood risk explained
Flood hazard in Lincoln County sits at the 50.4th 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. 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
Homes with a federally backed mortgage inside Lincoln County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 3.9% of them do — 5 active policies against 130 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.1% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lincoln County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 1622 — 1 being the highest hazard nationally — and 1312 by population among all 3144 counties covered here, where 1 is the largest. About 34,972 people live in Lincoln County, Oklahoma, spread over 952.372 square miles.
Your street may differ from Lincoln County's average
FEMA counts 16,397 residential structures in Lincoln County overall, 11 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lincoln 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.