460 flood insurance claims·$4.9M paid·7 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 Logan 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 summer thunderstorms dominates the flood risk profile in Logan County, Oklahoma, with NOAA records showing 20 flash flood events compared to 5 general flood events over the last 30 years. Severe weather and heavy rainfall regularly trigger urban and creek flooding, as observed during storms in May 2019 and July 2023.
National Flood Insurance Program records indicate that high-risk Zone A areas bear the brunt of the property impact, accounting for 405 claims with an average payout of $10,498 and an average recorded water depth of 8 inches. Moderate-to-low risk Zone X areas also experience significant losses, registering 50 claims with a substantially higher average payout of $40,302 and an average recorded water depth of 7 inches.
Homeowners, real estate agents, and journalists working with properties in Zone A and Zone X should pay the closest attention to local flood risks, as these areas account for the vast majority of historical insurance claims and recorded flood depths in the county.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
Less than 1% of Logan County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
409 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 8 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 1995, with 111 claims and $1.3M 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.
6 NOAA storm reports from Logan County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →
47 federal disaster declarations since 1974, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Logan Fire | Mar 14, 2025 |
| Luther Fire | Mar 14, 2025 |
| Wildfires And Straight-line Winds | Mar 14, 2025 |
| Simpson Fire, Oklahoma Fmag | Mar 31, 2023 |
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| Severe Winter Storm | Oct 26, 2020 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | May 7, 2019 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
25 since 1996: 20 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 15, 2025 | $50,000 |
| Flash Flood | Jul 11, 2023 | — |
| Flash Flood | May 26, 2019 | — |
| Flash Flood | May 25, 2019 | — |
| Flash Flood | May 25, 2019 | $10,000 |
| Flash Flood | Sep 22, 2019 | — |
| Flood | May 21, 2019 | — |
| Flash Flood | Apr 21, 2017 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 15, 2025. Multiple rounds of severe thunderstorm activity impacted portions of Oklahoma, mainly central and northern areas, from the morning of the 14th through daybreak on the 15th. An initial decaying complex of thunderstorms moved from southern Kansas into northern and central Oklahoma on the morning into early afternoon of the 14th. While this activity was non-severe for much of its journey across the WFO Norman Forecas…
Flash Flood · Jul 11, 2023. Numerous severe thunderstorms developed amidst an increasing low-level jet/isentropic ascent regime during the early morning hours of the 11th. Sufficient wind shear and instability allowed for organized modes (both cells and small lines) from west-central into southeastern Oklahoma. The strongest storms produced reports of wind damage and large hail. Given favorable antecedent conditions for flash flooding, a few…
Flash Flood · May 26, 2019. Scattered supercells merged into a linear system that produced a variety of severe weather on the 25th.
Flash Flood · May 25, 2019. Scattered supercells merged into a linear system that produced a variety of severe weather on the 25th.
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 Logan 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.