How much flood risk does Stephens County actually carry?
Stephens County lands at the 54.2th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 399 homes FEMA counts inside Stephens County's mapped flood zone, 24 carry the flood policy federal law requires there — 6% compliance, short of full coverage. Across all residential structures in Stephens County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Stephens County compares nationally
Stephens County sits at rank 1504 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1115 of 3144 by population (1 is biggest). Stephens County, Oklahoma covers 870.212 square miles and counts roughly 44,075 residents.
Your street may differ from Stephens County's average
Across all of Stephens County's 20,326 residential structures, 39 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 Stephens 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.