Flood insurance claims in Osage County, Oklahoma

FEMA records 96 National Flood Insurance Program claims in Osage County, Oklahoma, since 1980, with $1.2 million paid in total. The year with the most claims was 1986, with 16. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 8.1% of homes in the high-risk flood zone did.

NFIP claims on record96

Total paid$1.2 million

Claims with a payment75

Homes with NFIP policy0.3%

High-risk zone homes insured8.1%

Residential policies in force66

Claims by year of loss

NFIP claims by year of loss, Osage County, Oklahoma

Paid on claims by year of loss (building, contents and increased cost of compliance), Osage County, Oklahoma

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	23
Thunderstorms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
74070	39
74056	13
74003	12
74637	7
74063	6
74127	6
74001	3
74002	3
74035	2
74073	1

78 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $946,979, contents $224,879, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	603	49	8.1%
All homes	20,486	66	0.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.