Enter any address in Garvin County, Oklahoma to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Garvin County. Over the last 30 years, NOAA Storm Events data shows 36 flash flood events and 9 flood events. Recent examples include flash flooding on April 26, 2025, which resulted in a fatality in Lawton, and localized flash flooding on June 30, 2025, following strong thunderstorms.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $32,334 and an average water depth of 2.2 feet. Properties in Zone X and Zone X_UNSHADED have also seen significant payouts, though with fewer claims. Homeowners in Zone A, as well as those in areas designated as Zone X or X_UNSHADED, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
10 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Garvin County, Oklahoma has recorded 45 flood-related events since 1996 according to NOAA's Storm Events Database, including 36 flash floods and 9 river or area floods. The county has received 33 federal disaster declarations, 4 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 | Severe Storm | Nov 2, 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 And Flooding | Flood | Jun 11, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 5, 2015 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Storms, Tornadoes, And Straight-line Winds | Severe Storm | May 10, 2010 |
| Severe Winter Storm | Severe Storm | Jan 28, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 30, 2025 | 0.00K |
| Flash Flood | Apr 26, 2025 | 0.00K |
| Flash Flood | Apr 26, 2025 | 25.00K |
| Flood | Jun 6, 2025 | 0.00K |
| Flash Flood | Jul 3, 2025 | 0.00K |
| Flash Flood | Nov 2, 2024 | 10.00K |
| Flash Flood | Oct 4, 2023 | 5.00K |
| Flash Flood | Jun 7, 2022 | 0.00K |
| Flash Flood | Apr 28, 2021 | 0.00K |
| Flash Flood | Apr 27, 2021 | 0.00K |
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 rainfal...
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.
Flash Flood — Nov 2, 2024
An expansive (high-amplitude) longwave trough, in combination with unseasonable moisture/instability and wind shear, yielded a prolonged period of severe weather and flooding across the southern two-thirds of Oklahoma and portions of western-north Texas. While thunderstorms began during the daytime on the 2nd, the episode's first (and most impactful) convective period occurred during the late e...
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 Garvin 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 Garvin 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.