Is Okeechobee County, FL in a flood zone?
FEMA's National Risk Index puts Okeechobee County's flood hazard at the 80.3th 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 once every 5 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 4,529 homes FEMA counts inside Okeechobee County's mapped flood zone, 993 carry the flood policy federal law requires there — 21.9% compliance, short of full coverage. Across all residential structures in Okeechobee County, not just the ones FEMA mandates, 6.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Okeechobee County ranks
Okeechobee County sits at rank 647 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1142 of 3144 by population (1 is biggest). About 42,369 people live in Okeechobee County, Florida, spread over 769.302 square miles.
Your street may differ from Okeechobee County's average
Across all of Okeechobee County's 19,315 residential structures, 1,244 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Okeechobee 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.