Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Oklahoma
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Oklahoma ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Oklahoma County | $921 | Relatively High | $207,800 |
| 2 | Cleveland County | $971 | Relatively Moderate | $222,800 |
| 3 | Tulsa County | $1,088 | Relatively High | $213,500 |
| 4 | Wagoner County | $1,130 | Relatively Low | $216,000 |
| 5 | Comanche County | $1,137 | Relatively Moderate | $154,300 |
| 6 | Rogers County | $1,204 | Relatively Low | $222,200 |
| 7 | Pittsburg County | $1,245 | Relatively Low | $146,300 |
| 8 | Canadian County | $1,285 | Relatively Moderate | $230,300 |
| 9 | Stephens County | $1,308 | Relatively Low | $135,100 |
| 10 | Bryan County | $1,315 | Relatively Low | $163,700 |
| 11 | Muskogee County | $1,319 | Relatively Moderate | $138,800 |
| 12 | Pottawatomie County | $1,380 | Relatively Moderate | $155,700 |
| 13 | Johnston County | $1,395 | Very Low | $110,700 |
| 14 | Cotton County | $1,396 | Very Low | $113,200 |
| 15 | Pontotoc County | $1,421 | Relatively Low | $170,500 |
| 16 | Pushmataha County | $1,450 | Very Low | $116,800 |
| 17 | Carter County | $1,483 | Relatively Low | $153,500 |
| 18 | Lincoln County | $1,535 | Relatively Low | $152,000 |
| 19 | Cherokee County | $1,537 | Relatively Low | $160,300 |
| 20 | Seminole County | $1,538 | Relatively Low | $91,200 |
| 21 | Atoka County | $1,539 | Very Low | $138,000 |
| 22 | Washington County | $1,543 | Relatively Low | $160,900 |
| 23 | Sequoyah County | $1,551 | Relatively Low | $127,500 |
| 24 | Payne County | $1,554 | Relatively Moderate | $217,700 |
| 25 | Woodward County | $1,564 | Very Low | $178,000 |
| 26 | Choctaw County | $1,572 | Relatively Low | $119,700 |
| 27 | Creek County | $1,581 | Relatively Moderate | $170,900 |
| 28 | Beckham County | $1,587 | Relatively Low | $153,400 |
| 29 | Murray County | $1,597 | Very Low | $154,900 |
| 30 | McClain County | $1,614 | Relatively Low | $233,900 |
| 31 | Osage County | $1,618 | Relatively Low | $172,300 |
| 32 | McCurtain County | $1,632 | Relatively Low | $126,100 |
| 33 | Tillman County | $1,643 | Very Low | $71,900 |
| 34 | Okmulgee County | $1,653 | Relatively Low | $114,600 |
| 35 | Grady County | $1,654 | Relatively Low | $187,900 |
| 36 | Marshall County | $1,666 | Relatively Low | $139,700 |
| 37 | Washita County | $1,669 | Very Low | $113,300 |
| 38 | Mayes County | $1,716 | Relatively Low | $171,900 |
| 39 | Latimer County | $1,741 | Very Low | $103,300 |
| 40 | Custer County | $1,744 | Relatively Low | $177,000 |
| 41 | Love County | $1,759 | Very Low | $167,500 |
| 42 | Delaware County | $1,769 | Relatively Moderate | $164,900 |
| 43 | Adair County | $1,770 | Relatively Low | $111,500 |
| 44 | Le Flore County | $1,801 | Relatively Moderate | $121,600 |
| 45 | Garfield County | $1,802 | Relatively Moderate | $149,800 |
| 46 | McIntosh County | $1,834 | Relatively Low | $135,800 |
| 47 | Caddo County | $1,869 | Relatively Low | $109,900 |
| 48 | Pawnee County | $1,871 | Relatively Low | $125,700 |
| 49 | Okfuskee County | $1,915 | Very Low | $110,800 |
| 50 | Garvin County | $1,994 | Relatively Low | $132,600 |
| 51 | Logan County | $2,005 | Relatively Low | $234,300 |
| 52 | Ottawa County | $2,010 | Relatively Low | $114,300 |
| 53 | Kay County | $2,012 | Relatively Low | $116,800 |
| 54 | Haskell County | $2,077 | Very Low | $122,300 |
| 55 | Greer County | $2,212 | Very Low | $103,600 |
| 56 | Jefferson County | $2,225 | Very Low | $77,500 |
| 57 | Nowata County | $2,226 | Very Low | $121,900 |
| 58 | Kiowa County | $2,280 | Very Low | $90,300 |
| 59 | Noble County | $2,305 | Relatively Low | $142,600 |
| 60 | Craig County | $2,350 | Relatively Low | $132,900 |
| 61 | Hughes County | $2,402 | Very Low | $94,900 |
| 62 | Blaine County | $2,810 | Very Low | $126,200 |
| 63 | Texas County | $2,834 | Relatively Low | $155,600 |
| 64 | Coal County | $2,877 | Very Low | $92,500 |
| 65 | Kingfisher County | $3,137 | Relatively Low | $206,400 |
| 66 | Major County | $3,309 | Very Low | $134,700 |
| 67 | Woods County | $3,361 | Very Low | $141,900 |
| 68 | Roger Mills County | $3,377 | Very Low | $152,600 |
| 69 | Harmon County | $3,475 | Very Low | $75,700 |
| 70 | Dewey County | $3,621 | Very Low | $118,200 |
| 71 | Ellis County | $3,956 | Very Low | $122,500 |
| 72 | Grant County | $4,794 | Very Low | $79,500 |
| 73 | Alfalfa County | $5,321 | Very Low | $103,000 |
| 74 | Jackson County | $5,560 | Relatively Moderate | $145,000 |
| 75 | Beaver County | $7,105 | Very Low | $117,900 |
| 76 | Harper County | $8,133 | Relatively Low | $99,300 |
| 77 | Cimarron County | $13,924 | Relatively Low | $94,500 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Oklahoma