Southeast Florida, the Treasure Coast and the Keys
Okeechobee County property records and hazards
Okeechobee County is home to about 42,400 people, and FEMA counts $6.8 billion in buildings there. FEMA's National Risk Index rates its overall natural-hazard risk "Relatively Low", higher than 80% of U.S. counties. For property, the costliest hazards here are inland flooding, hurricanes and wildfire: together about $19.1 million of expected building damage a year. Its incorporated city or town is Okeechobee. 19 hurricanes have passed within 30 miles since 1851.1
What Okeechobee County faces most
Ranked by FEMA's National Risk Index: the hazards expected to do the most damage to buildings in this county each year, with each hazard's FEMA risk rating.
- 1
Inland flooding
Relatively ModerateThe local numbers
- FEMA rates inland flooding risk in Okeechobee County "Relatively Moderate" (score 80.3 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $12.2 million a year, the 37th-highest expected building loss from this hazard of 67 counties in the state.1
- FEMA's index maps about 156 square miles of the county inside the 1%-annual-chance floodplain it uses for inland flooding.1
- 6 inland flood events in FEMA's record, about 0.2 a year.1
What it means for a buyer or owner
Beyond the roughly 156 square miles of mapped floodplain in Okeechobee County, rain-driven flooding follows rivers, lakes, wetlands and canals, and it doesn't stop at the mapped lines: FEMA says more than 20% of flood insurance claims come from outside high-risk areas.
Ask whether the home has flooded or had a flood claim, and look at the lot's elevation in the report.
In your report: the Flood & hazard sheet · Guide: How to read a Florida flood zone
- 2
Hurricanes
Relatively HighThe local numbers
- FEMA rates hurricane risk in Okeechobee County "Relatively High" (score 93.5 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $6.1 million a year, the 50th-highest expected building loss from this hazard of 67 counties in the state.1
- 19 hurricanes passed within 30 miles of the county since 1851 (5 of them at Category 3 or stronger while nearby); counting tropical storms, 53 storms in all.2
- Strongest storm on record nearby: an unnamed storm (1928), at Category 4 strength (about 135 mph sustained) as it passed.2
- Most recent hurricanes nearby: Nicole (2022), Category 1, Ian (2022), Category 2 and Jeanne (2004), Category 3.2
- 18 federal disaster declarations for hurricanes have included the county.3
What it means for a buyer or owner
In Okeechobee County, hurricane wind and storm surge tend to arrive together. Wind is the part every property shares, so the roof and openings matter as much as the flood zone.
Ask for the roof's age and permit, any shutters or impact-rated windows, and a wind mitigation report.
In your report: the Storm history & wind sheet · Guide: Hurricanes, roofs and insurance
- 3
Wildfire
Relatively ModerateThe local numbers
- FEMA rates wildfire risk in Okeechobee County "Relatively Moderate" (score 89.9 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $719,000 a year, the 34th-highest expected building loss from this hazard of 67 counties in the state.1
- FEMA's wildfire model gives an average yearly burn likelihood of about 0.79% for exposed land here.1
- 18.0% of the county's building value is in areas FEMA treats as exposed to wildfire.1
- 5 federal fire declarations (including fire-management grants) have covered the county.3
What it means for a buyer or owner
18.0% of the building value in Okeechobee County is near burnable land; risk is highest where homes back onto pine flatwoods, scrub, prairie or other wild land, especially in the dry late-winter and spring months.
Look at the vegetation around the lot, keep a clear zone around the house, and check for burn bans and prescribed-burn areas nearby.
In your report: the Hazards (FEMA National Risk Index) sheet
- 4
Strong wind
Relatively HighThe local numbers
- FEMA rates strong-wind risk in Okeechobee County "Relatively High" (score 90.4 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $655,000 a year, the 14th-highest expected building loss from this hazard of 67 counties in the state.1
- 22 damaging-wind events in FEMA's record, about 0.6 a year.1
- 3 federal disaster declarations for severe storms.3
What it means for a buyer or owner
Severe thunderstorms bring damaging straight-line wind to Okeechobee County about 0.6 times a year; most claims are roofs, screens, cars and fallen trees.
Note the roof's age and material and the policy's wind or hail deductible.
In your report: the Storm history & wind sheet · Guide: Hurricanes, roofs and insurance
Rules that apply in every Florida county, from the building code and wind-mitigation discounts to flood insurance, seller flood disclosure and sinkhole coverage: Florida rules for buyers and owners.
Hurricanes near Okeechobee County
19 hurricanes have come within 30 miles of Okeechobee County since 1851; the busiest decade was the 1870s, with 5. The 12 most recent are listed, with the strength NOAA recorded as each passed.2
| Year | Storm | Strength nearby | Closest approach | |
|---|---|---|---|---|
| 2022 | Nicole | Category 1 | 7 mi | |
| 2022 | Ian | Category 2 | 3 mi | |
| 2004 | Jeanne | Category 3 | inside the county | |
| 2004 | Frances | Category 2 | inside the county | |
| 1995 | Erin | Category 1 | 15 mi | |
| 1979 | David | Category 2 | 20 mi | |
| 1953 | Hazel | Category 1 | inside the county | |
| 1950 | King | Category 2 | 1 mi | |
| 1949 | Unnamed | Category 3 | inside the county | |
| 1948 | Unnamed | Category 2 | 21 mi | |
| 1939 | Unnamed | Category 1 | inside the county | |
| 1933 | Unnamed | Category 3 | inside the county |
Federal disaster declarations
35 federal declarations have included Okeechobee County since 1972, 19 of them major disasters. By type: 18 hurricane, 5 fire, 3 freezing, 3 severe storm, 3 tropical storm, 2 biological and 1 coastal storm.3
Most recent
- 2024, Hurricane Milton (major disaster)
- 2024, Hurricane Milton (emergency)
- 2024, Hurricane Debby (major disaster)
- 2024, Tropical Storm Debby (emergency)
- 2022, Hurricane Nicole (major disaster)
- 2022, Tropical Storm Nicole (emergency)
All FEMA hazards for Okeechobee County
Every hazard FEMA scores here, costliest for buildings first.1
| Hazard | FEMA risk rating | Risk score (0-100) | Expected building loss a year | Rank in the state |
|---|---|---|---|---|
| Inland flooding | Relatively Moderate | 80.3 | $12.2 million | 37 of 67 |
| Hurricanes | Relatively High | 93.5 | $6.1 million | 50 of 67 |
| Wildfire | Relatively Moderate | 89.9 | $719,000 | 34 of 67 |
| Strong wind | Relatively High | 90.4 | $655,000 | 14 of 67 |
| Tornadoes | Relatively Low | 44.2 | $256,000 | 52 of 67 |
| Lightning | Relatively High | 89.7 | $16,000 | 48 of 67 |
| Earthquakes | Very Low | 22.9 | $15,000 | 61 of 67 |
| Cold waves | Relatively Low | 57.0 | $8,000 | 39 of 67 |
| Hail | Very Low | 12.6 | $2,000 | 57 of 67 |
| Landslides | Very Low | 23.3 | $101 | 41 of 67 |
| Heat waves | Relatively Low | 46.5 | $12 | 54 of 67 |
| Drought | Relatively Low | 48.6 | $0 | n/a |
| Coastal flooding and storm surge | No Rating | 0.0 | $0 | n/a |
| Winter weather | No Rating | 0.0 | $0 | n/a |
Local property economy
Okeechobee County had about 42,369 residents in 2024. Its largest groups of self-employed businesses are administrative and support and waste management (493), construction (416) and other services (except public administration) (414). The table counts businesses with no employees, the sole proprietors behind much of the local real estate and building trade.4
| Businesses with no employees | Okeechobee | Per 1,000 residents | Florida per 1,000 |
|---|---|---|---|
| All self-employed businesses | 3,214 | 75.9 | 146.6 |
| Real estate, rental and leasing | 266 | 6.3 | 15.4 |
| Real estate (agents, brokers, landlords, managers) | 261 | 6.2 | 14.8 |
| Construction | 416 | 9.8 | 14.5 |
| Residential building construction | 98 | 2.3 | 4.7 |
Area profile
Census figures for Okeechobee County next to Florida and the U.S. (ACS 2020-2024 5-year estimates; ± is the margin of error). Source: U.S. Census Bureau, American Community Survey (opens in a new tab).
| Measure | Okeechobee County | Florida | U.S. |
|---|---|---|---|
| Population | 40,816 | 22,416,077 | 334,922,499 |
| Median household income | $57,984 ±$4,108 | $74,568 | $80,734 |
| Per-capita income | $28,796 ±$1,845 | $42,609 | $44,673 |
| People below the poverty level | 18.0% ±2.8% | 12.6% | 12.5% |
| Adults 25+ with a bachelor's degree or higher | 15.8% ±1.9% | 34.1% | 35.7% |
| Median home value (owner-occupied) | $193,000 ±$12,668 | $359,000 | $332,700 |
| Median gross rent | $1,082 ±$56 | $1,669 | $1,413 |
| Homes that are owner-occupied | 73.9% ±2.2% | 67.6% | 65.2% |
| Housing units vacant | 18.6% ±2.9% | 14.7% | 10.1% |
| Median year built | 1988 ±2 | 1988 | 1980 |
| Median age | 40.8 ±0.5 | 42.6 | 38.9 |
| Average household size | 2.5 ±0.1 | 2.5 | 2.5 |
| Mean travel time to work (minutes) | 28.4 ±3 | 28 | 26.4 |
Race and Hispanic origin (Census table B03002)
| Group | Okeechobee County | Florida | U.S. |
|---|---|---|---|
| Not Hispanic or Latino: White alone | 61.8% | 50.4% | 57.4% |
| Not Hispanic or Latino: Black or African American alone | 7.5% | 14.6% | 11.9% |
| Not Hispanic or Latino: American Indian and Alaska Native alone | 0.3% | 0.1% | 0.5% |
| Not Hispanic or Latino: Asian alone | 0.7% | 2.9% | 5.9% |
| Not Hispanic or Latino: Native Hawaiian and Other Pacific Islander alone | 0.0% | 0.1% | 0.2% |
| Not Hispanic or Latino: Some other race alone | 0.3% | 0.7% | 0.6% |
| Not Hispanic or Latino: Two or more races | 3.2% | 3.8% | 4.3% |
| Hispanic or Latino (of any race) | 26.1% | 27.4% | 19.3% |
These figures come from the U.S. Census Bureau. OnlineRecords.US doesn't rate, rank or recommend areas by who lives there, and none of these figures are used in any ranking on this page. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.
Official offices for Okeechobee County property records
The official word on any Okeechobee County parcel.5
Property appraiser
- Okeechobee County Property Appraiser (opens in a new tab) Ownership, values, exemptions and parcel maps.
- Parcel search (opens in a new tab)
Clerk / official records
- Okeechobee County Clerk of Court and Comptroller (opens in a new tab) Recorder of deeds, mortgages, liens and lis pendens.
- Official records search (opens in a new tab)
Tax collector
- Okeechobee County Tax Collector (opens in a new tab) Current and delinquent property tax bills.
Building department
- Okeechobee County Community Development – Building & Permitting (opens in a new tab) Online permit search.
Floodplain office
- Florida Division of Emergency Management, Floodplain Management (opens in a new tab) We didn't find a county floodplain page; the building department handles flood-zone questions, and the state floodplain office can help.
What our free report covers in Okeechobee County
Statewide data works for every Okeechobee County address: (verified on test reports ). Parcel, owner and legal description, assessed and just values, FEMA flood zone and ground elevation, evacuation zone and FEMA hazard ratings, storm history and estimated wind, storm surge and high-water marks, earthquakes, faults and sinkhole reports, environmental sites nearby and condo and HOA records link to the official source for now. For the county's own records, the report links to each office's search; none is automated and verified here yet unless marked.6
| County records | Status | Where to check |
|---|---|---|
| Recorded deeds, mortgages and liens (clerk) | Link to the official source | Official records search (opens in a new tab) |
| Property tax bill (tax collector) | Link to the official source | Okeechobee County Tax Collector (opens in a new tab) |
| Building permits | Link to the official source | Link-out to Okeechobee County Community Development – Building & Permitting (Tyler EnerGov). Okeechobee County Community Development – Building & Permitting (opens in a new tab) |
Neighboring counties
Okeechobee County borders Glades County, Hendry County, Highlands County, Indian River County, Martin County, Osceola County, Palm Beach County, Polk County and St. Lucie County. On inland flooding, Okeechobee County ranks 7th of 10 among itself and its neighbors; Palm Beach County is highest.7
| County | Costliest hazard for buildings | Overall FEMA rating | Expected building loss a year |
|---|---|---|---|
| Glades County | Inland flooding | Relatively Low | $6.2 million |
| Hendry County | Inland flooding | Relatively Low | $13.5 million |
| Highlands County | Hurricanes | Relatively Moderate | $38.0 million |
| Indian River County | Hurricanes | Relatively High | $150.0 million |
| Martin County | Hurricanes | Relatively Moderate | $106.3 million |
| Osceola County | Inland flooding | Relatively Moderate | $101.2 million |
| Palm Beach County | Hurricanes | Relatively High | $440.9 million |
| Polk County | Hurricanes | Relatively High | $183.2 million |
| St. Lucie County | Hurricanes | Relatively High | $169.3 million |
Sources of information
- FEMA National Risk Index (county level) (opens in a new tab). release: December 2025; retrieved 2026-10-05.
- NOAA National Hurricane Center HURDAT2 (Atlantic) (opens in a new tab). storms through 2025; track within 30 miles of the county boundary while at tropical-storm strength or stronger; landfall points within 6 miles assigned to the nearest county; retrieved 2026-10-05.
- OpenFEMA Disaster Declarations Summaries (opens in a new tab). retrieved 2026-10-05.
- U.S. Census Bureau, 2024 Nonemployer Statistics and Vintage 2024 population estimates (opens in a new tab). retrieved 2026-10-05.
- onlinerecords.us county registry (official office links). retrieved 2026-10-05.
- onlinerecords.us coverage checks on test reports. retrieved 2026-10-05.
- U.S. Census Bureau county adjacency file (2024) (opens in a new tab). retrieved 2026-10-05.
Figures describe the county as a whole, not any one property. A free report shows the parcel's own flood zone, elevation, storm history and records.