FEMA flood zones · Oklahoma

Cimarron County, Oklahoma Flood Zone Map

FEMA’s digital flood map shows no high- or moderate-risk zones in Cimarron County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Cimarron County, Oklahoma. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Cimarron County floods

Flash flooding from severe summer thunderstorms dominates the flood profile of Cimarron County. Over the last 30 years, NOAA records show 11 flash flood events compared to 5 general flood events.

Storms moving into the Oklahoma Panhandle from neighboring New Mexico frequently drive these conditions. For example, an upper-level disturbance caused thunderstorms to back build over the area in June 2019, producing flooding alongside large hail and a landspout. Another event in July 2020 occurred when a broken line of thunderstorms entered the northwest corner of the panhandle during the afternoon and progressed southeastward, producing both damaging winds and flooding.

Homeowners, journalists, and real estate agents should monitor these patterns, particularly when evaluating properties vulnerable to sudden storm-driven runoff and back-building weather systems.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

6 NOAA storm reports from Cimarron County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →

Federal disasters

18 federal disaster declarations since 2001.

DisasterBegan
Severe Storms, Straight-line Winds, And TornadoesJun 14, 2023
Severe Winter StormFeb 8, 2021
Severe Winter StormsFeb 8, 2021
Severe Storms, Tornadoes, And FloodingApr 28, 2017
Severe Winter StormJan 31, 2011
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJun 13, 2010
Severe Winter StormJan 28, 2010
Severe Storms, Tornadoes, And FloodingSep 12, 2008

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

16 since 1996: 11 flash floods and 5 river or area floods.

EventDateDamage
FloodJul 19, 2020—
FloodJun 2, 2019—
FloodAug 21, 2018—
Flash FloodAug 7, 2013—
Flash FloodAug 14, 2006$28,000
Flash FloodAug 20, 2002—
Flash FloodJul 29, 1997—
Flash FloodAug 12, 1997—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flood · Jul 19, 2020. A broken line of thunderstorms entered the northwest corner of the Oklahoma Panhandle during the afternoon and progressed southeastward through the evening. Within the moderately unstable and weakly sheared environment, one storm in the western Panhandle produced damaging winds and flooding.

Flood · Jun 2, 2019. An upper level disturbance generated a multi cell cluster of thunderstorms over parts of northeastern New Mexico. Favorable winds with low level moisture and instability in the central and western Oklahoma Panhandle allowed thunderstorms to maintain their strength as they moved east from New Mexico into the area. Large hail up to golf balls and even a landspout was reported in Cimarron County, OK. Some thunderstor…

Flood · Aug 21, 2018. A disturbance moved over a weak ridge over the Texas/New Mexico border by the afternoon of the 21st. High instability and moderate wind shear set the stage for thunderstorms developing over the high terrain to the west to be maintained over the northwestern Panhandles in a favorable environment. With better organized ingredients plus the loss of daytime heating, cellular thunderstorms across New Mexico and Color…

Flash Flood · Aug 7, 2013. Discrete thunderstorms and a squall line moved across the Oklahoma Panhandle during the evening and overnight hours of the 7th. These severe storms not only had ample instability to fuel them but also a marginally above average moist atmosphere. The 6 PM CST upper air soundings out of Amarillo, Texas and Dodge City, Kansas showed Precipitable Water values between 1.24 inches and 1.40 inches. This is around the cli…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Cimarron County

If a building in Cimarron County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.