Enter any address in Atoka County, Oklahoma to see its FEMA flood zone
Flash flooding from severe weather events is the dominant flood character in Atoka County. Between 1996 and 2016, the NOAA Storm Events Database recorded 26 flash flood events and 7 flood events in the county. For example, a severe weather outbreak on May 19-20, 2025, brought both flash flooding and general flooding to the region. Another flash flood event occurred on May 25, 2025, as part of a widespread severe convection episode.
National Flood Insurance Program (NFIP) data indicates that while Zone A areas have had fewer claims with no reported water depth or payout, Zone X areas have seen 5 claims averaging $18,960 with an average water depth of 0.8 feet. Homeowners in Zone X, as well as those in areas prone to flash flooding from severe weather, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Atoka County, Oklahoma has recorded 33 flood-related events since 1996 according to NOAA's Storm Events Database, including 26 flash floods and 7 river or area floods. The county has received 28 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Jun 14, 2023 |
| Severe Winter Storm | Severe Ice Storm | Feb 8, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 8, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Apr 30, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 5, 2015 |
| Severe Storms, Tornadoes, And Flooding | Tornado | May 18, 2013 |
| Severe Storms, Tornadoes, And Straight-line Winds | Severe Storm | Apr 14, 2011 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 25, 2025 | 25.00K |
| Flash Flood | May 25, 2025 | 0.00K |
| Flood | May 20, 2025 | 0.00K |
| Flash Flood | May 19, 2025 | 0.00K |
| Flash Flood | Apr 30, 2019 | 0.00K |
| Flash Flood | Jun 3, 2019 | 0.00K |
| Flash Flood | May 25, 2015 | 0.00K |
| Flash Flood | May 20, 2015 | 0.00K |
| Flash Flood | May 10, 2015 | 400.00K |
| Flash Flood | May 21, 2013 | 0.00K |
Flash Flood — May 25, 2025
This episode once again featured widespread severe convection across the central and southern extents of the WFO Norman Forecast Area from the afternoon of the 25th into early morning of the 26th. The background synoptic regime featured generally weak flow, with evidence of multiple weak embedded upper systems from northern Mexico into portions of the south-central United States. A persistent p...
Flood — May 20, 2025
A severe weather outbreak impacted portions of central and eastern Oklahoma, as well as western-north Texas, on the 19th and into the 20th. This marked the third and final day of a multi-day severe weather sequence driven by a strong upper-level system across the Plains. The 19th featured multiple waves of supercell thunderstorms from the late morning through late evening, with the majority of ...
Flash Flood — May 19, 2025
A severe weather outbreak impacted portions of central and eastern Oklahoma, as well as western-north Texas, on the 19th and into the 20th. This marked the third and final day of a multi-day severe weather sequence driven by a strong upper-level system across the Plains. The 19th featured multiple waves of supercell thunderstorms from the late morning through late evening, with the majority of ...
Flash Flood — Apr 30, 2019
A stationary front and and upper wave produced numerous thunderstorms with a variety of severe weather on the 30th.
Flash Flood — Jun 3, 2019
Thunderstorms produced isolated severe hail and flooding starting on the afternoon of the 3rd and continuing into the 4th.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Atoka County, Oklahoma:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Atoka County, Oklahoma that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.