2 flood insurance claims·$8,869 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 Harper 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 6 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.
1 NOAA storm reports from Harper County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →
19 federal disaster declarations since 2001.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Tornadoes | Jun 14, 2023 |
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | May 7, 2019 |
| Nw Oklahoma Wildfire Outbreak Complex | Mar 6, 2017 |
| Severe Winter Storm | Jan 13, 2017 |
| Severe Winter Storm | Jan 31, 2011 |
| Severe Winter Storm | Jan 28, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
9 since 1996: 4 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 17, 2019 | — |
| Flood | Jun 14, 2007 | — |
| Flood | Jun 18, 2005 | — |
| Flood | Jun 10, 2005 | — |
| Flood | Mar 4, 2004 | $1.0M |
| Flash Flood | Oct 25, 2000 | — |
| Flash Flood | Jun 30, 1999 | — |
| Flood | Apr 14, 1999 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Apr 17, 2019. A closed upper low, a cold front, and a dryline combined to produce numerous thunderstorms with severe weather on the 17th.
Flood · Jun 14, 2007. With an upper level low pressure system anchored over Oklahoma, showers and thunderstorms developed again in the afternoon of the 14th. Although the main problem continued to be the heavy rain and associated flooding, a few thunderstorms also produced marginally severe hail and wind. Monetary damages were estimated.
Flood · Jun 10, 2005. During a 72-hour period on June 10-13, strong to severe rainfall-producing thunderstorms helped produce a significant flood event across northwestern through central Oklahoma, especially in the Cimarron River basin. Due to the saturating rains flash flooding also occurred in portions of northwest Oklahoma. During this period a strong upper level storm system combined with quasi-stationary front at the surface gene…
Flood · Mar 4, 2004. On March 4-5, a front progressed slightly northward and an upper level system triggered a round of thunderstorms mainly during the afternoon and evening of March 4. The focus of the very heavy rainfall was along a 100-mile wide swath along and northwest of Interstate 44 from southwestern through central and north central Oklahoma. Rainfall amounts of 2.5 to 5 inches were common with locally heavier amounts up to…
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 Harper 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.