Mayes County, OK: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Mayes County scores at the 75.9th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.7 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mayes County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Mayes 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, 8.4% of them do — 51 active policies against 610 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.4% of all residential structures in Mayes County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Mayes County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Mayes County ranks 792 — 1 being the highest hazard nationally — and 1188 by population among all 3144 counties covered here, where 1 is the largest. About 40,144 people live in Mayes County, Oklahoma, spread over 655.326 square miles.
Your street may differ from Mayes County's average
Across all of Mayes County's 17,879 residential structures, 70 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Mayes 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.