Enter any address in Coal County, Oklahoma to see its FEMA flood zone
Flash flooding from severe thunderstorms is the dominant flood character in Coal County, Oklahoma. The NOAA Storm Events Database recorded 18 flash flood events in the county over the last 30 years. Recent examples include a flash flood event on January 10, 2020, associated with a strong storm system that brought severe hail and a tornado, and another on September 1, 2020, caused by slow-moving thunderstorms.
While flash flooding is more frequent, the county has also experienced general flooding, with three recorded events resulting in one death. National Flood Insurance Program (NFIP) claims data shows one claim in a zone of unknown flood risk, with an average payout of $18,229 and an average water depth of 2.0 feet. Homeowners in areas without a designated Base Flood Elevation (BFE) should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
Coal County, Oklahoma has recorded 21 flood-related events since 1996 according to NOAA's Storm Events Database, including 18 flash floods and 3 river or area floods. The county has received 27 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 (1970–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Tornado | Apr 25, 2024 |
| 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 | Tornado | May 16, 2017 |
| Severe Winter Storms And Flooding | Severe Storm | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 5, 2015 |
| Severe Storms, Tornadoes, And Flooding | Tornado | May 18, 2013 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jan 10, 2020 | 0.00K |
| Flash Flood | Sep 1, 2020 | 0.00K |
| Flash Flood | May 1, 2019 | 0.00K |
| Flash Flood | Sep 21, 2018 | 0.00K |
| Flash Flood | May 19, 2017 | 0.00K |
| Flash Flood | Jul 2, 2017 | 0.00K |
| Flash Flood | May 25, 2016 | 0.00K |
| Flood | May 10, 2015 | 20.00K (1 deaths) |
| Flash Flood | May 10, 2015 | 0.00K |
| Flash Flood | May 21, 2013 | 0.00K |
Flash Flood — Jan 10, 2020
A strong storm system brought an unseasonably warm and moist airmass into the area. Multiple reports of severe hail and flooding were received along with a tornado on the 10th.
Flash Flood — Sep 1, 2020
Slow moving thunderstorms along a nearly stationary frontal boundary led to numerous flooding reports during the morning of the 1st across central and southern Oklahoma.
Flash Flood — May 1, 2019
Outflow boundaries from previous days storms provided focus for thunderstorm development with a variety of severe weather on the 1st.
Flash Flood — Sep 21, 2018
Abundant moisture from the gulf and a remnant tropical system converged with a front coming in from northwest early on the morning of the 21st resulting in widespread heavy rain and numerous reports of flash flooding across central and south central Oklahoma and western north Texas through the day.
Flash Flood — May 19, 2017
A line of storms fired along and just ahead of a cold front on the afternoon of the 19th and continued eastward across the state overnight into the 20th.
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 Coal 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 Coal 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.