8 flood insurance claims·$23,040 paid·1 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 Marshall 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 severe convection and heavy rainfall dominates the flood risk profile in Marshall County, OK, accounting for 14 of the 15 recorded flood events over the last 30 years alongside a single standard flood event.
Historical NOAA storm data highlights the recurrent nature of these events, such as repeated rounds of heavy rainfall leading to urban and creek flooding in July 2023, and thunderstorm development driven by outflow boundaries in May 2019.
Federal insurance claims data shows historical payouts across multiple zones, including unshaded Zone X with 5 claims averaging a $4,278 payout and an average recorded water depth of 3 inches, Zone A with 2 claims averaging a $0 payout and an average recorded water depth of 2 inches, and Zone X with 1 claim averaging a $1,650 payout with 0 inches of average recorded water depth. Homeowners and real estate agents managing properties in Zone X_UNSHADED and Zone A should pay the closest attention to this historical flood and flash flood risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
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 1990, with 2 claims and $18,519 paid, the year of Severe Storms, Tornadoes & Flooding.
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.
2 NOAA storm reports from Marshall County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →
18 federal disaster declarations since 1981, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| 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 Storms | Dec 8, 2007 |
| Severe Storms, Flooding, And Tornadoes | Jun 10, 2007 |
| Severe Winter Storms And Flooding | Jan 12, 2007 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
15 since 1996: 14 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 25, 2025 | $50,000 |
| Flood | Jul 16, 2023 | — |
| Flash Flood | May 1, 2019 | — |
| Flash Flood | May 28, 2015 | — |
| Flash Flood | May 25, 2015 | — |
| Flash Flood | Jun 21, 2015 | — |
| Flash Flood | May 10, 2015 | — |
| Flash Flood | Apr 28, 2006 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · May 25, 2025. This episode once again featured widespread severe convection across the central and southern extents of the WFO Norman Forecast Area from the afternoon of the 25th into early morning of the 26th. The background synoptic regime featured generally weak flow, with evidence of multiple weak embedded upper systems from northern Mexico into portions of the south-central United States. A persistent plume of strong insta…
Flood · Jul 16, 2023. Generally disorganized convection across far southern into southeastern Oklahoma produced a severe-caliber wind gust near the community of Durant during morning hours of the 16th. Repeated rounds of heavy rainfall across the region also lead to isolated reports of urban and creek flooding.
Flash Flood · May 1, 2019. Outflow boundaries from previous days storms provided focus for thunderstorm development with a variety of severe weather on the 1st.
Flash Flood · May 28, 2015. Another round of severe weather moved through Oklahoma on the 28th. Hail up to golfball size and winds to 70 mph were reported with yet another round of flash flooding rainfall.
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 Marshall 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.