65 flood insurance claims·$1.4M paid·4 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Garvin 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.
Flash flooding from heavy storms dominates the local flood profile, backed by 36 recorded flash flood events compared to 9 standard flood events over the last 30 years. Recent NOAA storm records illustrate this pattern, including slow-moving mesoscale convective systems and persistent heavy rainfall that caused flash flooding in April 2025, as well as thunderstorms along a quasi-stationary boundary that produced localized flooding in June 2025.
Federal insurance claims data shows that properties located within FEMA Zone A have experienced the highest impact, accumulating 42 claims with an average payout of $35,983 and an average recorded water depth of 6 inches. Zone X properties also recorded significant impacts, including 5 claims averaging $33,581 with an average water depth of 1 inch, and 7 claims in Zone X_SHADED averaging $7,714 with an average water depth of 14 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within FEMA Zone A, as well as areas prone to sudden runoff from slow-moving convective storms.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
18% of Garvin County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
51 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 5 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1987, with 17 claims and $159,834 paid, the year of Severe Storms & Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
10 NOAA storm reports from Garvin County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →
33 federal disaster declarations since 1970, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Nov 2, 2024 |
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| Severe Storms And Flooding | Jun 11, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | May 5, 2015 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Straight-line Winds | May 10, 2010 |
| Severe Winter Storm | Jan 28, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
45 since 1996: 36 flash floods and 9 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jun 30, 2025 | — |
| Flash Flood | Apr 26, 2025 | — |
| Flash Flood | Apr 26, 2025 | $25,000 |
| Flood | Jun 6, 2025 | — |
| Flash Flood | Jul 3, 2025 | — |
| Flash Flood | Nov 2, 2024 | $10,000 |
| Flash Flood | Oct 4, 2023 | $5,000 |
| Flash Flood | Jun 7, 2022 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jun 30, 2025. Widespread strong-to-severe thunderstorms developed along a quasi-stationary boundary across central and southern Oklahoma and western-north Texas during the evening of the 30th. In addition to a measured severe-caliber wind gust, the combination of high moisture content in the lower atmosphere and slow-moving thunderstorms led to a few localized areas of flash flooding across southern Oklahoma.
Flash Flood · Apr 26, 2025. A slow-moving mesoscale convective vortex (MCV) produced severe weather and flash flooding during the morning and afternoon of the 26th. An initial complex of thunderstorms across southwestern Oklahoma and western-north Texas produced reports of thunderstorm wind damage and large hail, especially with a supercell thunderstorm that moved near the city of Lawton. Areas of persistent heavy rainfall also led to flash…
Flood · Jun 6, 2025. A well-defined and intense mesoscale convective system (MCS) translated from the Southern High Plains into portions of northern and central Oklahoma during the predawn hours of the 6th. In addition to widespread and occasionally intense thunderstorm wind damage/gusts, multiple tornadoes occurred in both the northern and southern exurban areas of the Oklahoma Metropolitan Area.
Flash Flood · Jul 3, 2025. A weak upper disturbance across central Texas and a highly humid low-level airmass combined to yield heavy rain-producing thunderstorms across portions of Oklahoma on the 3rd. One of these slow-moving thunderstorms produced reports of flooding near the community of Wynnewood in Garvin County.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Garvin 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.