Wagoner County, OK flood risk explained
Flood hazard in Wagoner County sits at the 70.6th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2 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
Out of 766 homes FEMA counts inside Wagoner County's mapped flood zone, 144 carry the flood policy federal law requires there — 18.8% compliance, short of full coverage. Looking beyond the mandated zone, 0.7% of all residential structures in Wagoner County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Wagoner County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Wagoner County ranks 962 — 1 being the highest hazard nationally — and 664 by population among all 3144 counties covered here, where 1 is the largest. About 91,257 people live in Wagoner County, Oklahoma, spread over 561.916 square miles.
Your street may differ from Wagoner County's average
222 of Wagoner County's 32,024 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Wagoner 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.