McIntosh County, OK flood risk explained
Flood hazard in McIntosh County sits at the 59.8th 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 1.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in McIntosh County
8.9% of the homes FEMA requires to carry flood insurance in McIntosh County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 17 policies against 191 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in McIntosh County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
McIntosh County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, McIntosh County ranks 1323 — 1 being the highest hazard nationally — and 1845 by population among all 3144 counties covered here, where 1 is the largest. McIntosh County, Oklahoma covers 618.292 square miles and counts roughly 19,710 residents.
What to do next if you own or are buying in McIntosh County
FEMA counts 12,703 residential structures in McIntosh County overall, 23 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where McIntosh 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.