Enter any Oklahoma address to see its FEMA flood zone designation
Oklahoma's flood risk is primarily characterized by flash flooding events. Over the past 30 years, NOAA data indicates 3,273 flash flood events, resulting in 66 fatalities. This is in addition to 1,020 general flood events that caused 25 deaths, and one tropical storm.
Recent federal disaster declarations, such as those for severe storms, straight-line winds, tornadoes, and flooding in November 2024, underscore the state's vulnerability to a mix of weather-related hazards that can include significant flooding. While the data does not specify particular rivers or coastal areas, the frequency of flash floods suggests a widespread risk across the state.
National Flood Insurance Program (NFIP) claims data shows that Zone A areas have the highest number of claims and the largest total payout, with an average claim of $20,258. However, Zone X, which includes both shaded and unshaded areas, also sees a substantial number of claims, with Zone X having the highest average claim amount at $28,832. This suggests that while Zone A areas are most frequently impacted, residents in other zones, including those not typically considered high-risk, may still experience significant flood damage and should consider flood insurance.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Oklahoma has received 2,593 federal disaster declarations, including 225 flood and coastal storm declarations.
FEMA designates flood zones across Oklahoma using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Oklahoma FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Oklahoma is approximately $582 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Oklahoma residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Oklahoma →
Select a county to view local flood zone data and disaster history: