Is Muskogee County, OK in a flood zone?
FEMA's National Risk Index puts Muskogee County's flood hazard at the 78th 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 2.7 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
14.2% of the homes FEMA requires to carry flood insurance in Muskogee County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 94 policies against 660 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Muskogee County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Muskogee County ranks
Muskogee County sits at rank 723 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 819 of 3144 by population (1 is biggest). About 66,752 people live in Muskogee County, Oklahoma, spread over 810.643 square miles.
Your street may differ from Muskogee County's average
FEMA counts 22,480 residential structures in Muskogee County overall, 131 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 Muskogee 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.