Enter any address in Harmon County, Oklahoma to see its FEMA flood zone
Harmon County, Oklahoma has recorded 5 flood-related events since 1996 according to NOAA's Storm Events Database, including 4 flash floods and 1 river or area floods. The county has received 20 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1995–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 |
| Wildfires | Fire | Apr 11, 2018 |
| Severe Winter Storms And Flooding | Severe Storm | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 5, 2015 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Storm | Jan 28, 2010 |
| Severe Winter Storm | Severe Storm | Dec 24, 2009 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 22, 2016 | 0.00K |
| Flash Flood | Jun 14, 2015 | 0.00K |
| Flash Flood | Sep 11, 2008 | 0.00K |
| Flash Flood | Sep 9, 2007 | 0.00K |
| Flood | Sep 11, 2003 | — |
Flash Flood — May 22, 2016
Storms formed along a dryline in the panhandles on the 22nd. These storms slowly made their way into western Oklahoma and western north Texas late that evening. The southernmost storms eventually formed into an MCS and followed the Red River overnight into the early morning of the 23rd.
Flash Flood — Jun 14, 2015
With several boundaries floating around the area, storms erupted on the 14th and 15th as an upper level low moved by, producing some flash flooding.
Flash Flood — Sep 11, 2008
A prolonged area of southwest flow aloft developed over much of Oklahoma during the period from the 10th through the 12th. Numerous upper level disturbances moving through the flow, as well as a very moist air mass allowed for several rounds of showers and thunderstorms to develop and move northeast, much of the time moving over the same areas. Moisture associated with the remnants of Tropical ...
Flash Flood — Sep 9, 2007
September 9th saw yet another day of thunderstorms with very heavy rainfall. Thunderstorms developed over southwest Oklahoma and moved southeast to near the Red River. Flash flooding occurred as slow moving thunderstorms repeatedly affected the same areas. No damage was reported with the flooding.
Flood — Sep 11, 2003
Precipitation totals of 5 to 9+ inches fell during the late evening hours of September 10 and early morning hours of September 11 over parts of west central and southwestern Oklahoma and the eastern Texas Panhandle. The subsequent heavy runoff from these torrential rains initially produced flash flooding in this area, especially in and near the city of Erick, where the cooperative observer repo...
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 Harmon 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 Harmon 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.