Okmulgee County, OK: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Okmulgee County scores at the 66th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 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.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Okmulgee County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 7.6% of them do — 45 active policies against 594 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.3% of all residential structures in Okmulgee County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Okmulgee County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Okmulgee County ranks 1117 — 1 being the highest hazard nationally — and 1259 by population among all 3144 counties covered here, where 1 is the largest. Okmulgee County, Oklahoma covers 697.443 square miles and counts roughly 37,084 residents.
What to do next if you own or are buying in Okmulgee County
56 of Okmulgee County's 17,375 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Okmulgee 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.