Is McCurtain County, OK in a flood zone?
FEMA's National Risk Index puts McCurtain County's flood hazard at the 75.9th percentile nationally — a middling flood hazard by national standards — 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 794 homes FEMA counts inside McCurtain County's mapped flood zone, 22 carry the flood policy federal law requires there — 2.8% compliance, short of full coverage. Across all residential structures in McCurtain County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where McCurtain County ranks
McCurtain County sits at rank 793 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1420 of 3144 by population (1 is biggest). About 30,805 people live in McCurtain County, Oklahoma, spread over 1,850.782 square miles.
Checking a specific address in McCurtain County
FEMA counts 14,527 residential structures in McCurtain County overall, 37 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 McCurtain 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.