Woodward County, OK: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Woodward County scores at the 36.8th 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 once every 1 years. 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
Out of 407 homes FEMA counts inside Woodward County's mapped flood zone, 57 carry the flood policy federal law requires there — 14% compliance, short of full coverage. Looking beyond the mandated zone, 0.7% of all residential structures in Woodward County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Woodward County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Woodward County ranks 2051 — 1 being the highest hazard nationally — and 1829 by population among all 3144 counties covered here, where 1 is the largest. About 19,991 people live in Woodward County, Oklahoma, spread over 1,242.786 square miles.
Checking a specific address in Woodward County
62 of Woodward County's 8,691 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Woodward 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.