27 flood insurance claims·$195,378 paid
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 Harmon 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.
In flood insurance claims here that reported a flood depth, the average was 3 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 5 claims and $9,711 paid.
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.
20 federal disaster declarations since 1995.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| Wildfires | Apr 11, 2018 |
| Severe Winter Storms And Flooding | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | May 5, 2015 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Winter Storm | Jan 28, 2010 |
| Severe Winter Storm | Dec 24, 2009 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
5 since 1996: 4 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 22, 2016 | — |
| Flash Flood | Jun 14, 2015 | — |
| Flash Flood | Sep 11, 2008 | — |
| Flash Flood | Sep 9, 2007 | — |
| Flood | Sep 11, 2003 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 Storm Lowell added t…
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.
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 Harmon 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.