Is Murray County, OK in a flood zone?
FEMA's National Risk Index puts Murray County's flood hazard at the 31.5th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Murray County
Murray County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Murray County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Murray County ranks
Murray County sits at rank 2212 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2175 of 3144 by population (1 is biggest). About 13,754 people live in Murray County, Oklahoma, spread over 416.375 square miles.
Checking a specific address in Murray County
FEMA counts 7,082 residential structures in Murray County overall, 6 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 Murray County's numbers. See the data quality guide for why Murray County, like hundreds of other counties, doesn't get a clean compliance percentage.