Enter any address in Payne County, Oklahoma to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| WILDFIRES AND STRAIGHT-LINE WINDS | Fire | 2025-03-14 |
| STILLWATER FIRE | Fire | 2025-03-14 |
| UNDERWOOD FIRE | Fire | 2025-03-14 |
| EUCHEE CREEK FIRE | Fire | 2024-10-29 |
| SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES | Severe Storm | 2023-06-14 |
| SEVERE WINTER STORM | Severe Ice Storm | 2021-02-08 |
| SEVERE WINTER STORMS | Severe Ice Storm | 2021-02-08 |
| SEVERE WINTER STORM | Severe Ice Storm | 2020-10-26 |
| COVID-19 | Biological | 2020-01-20 |
| COVID-19 PANDEMIC | Biological | 2020-01-20 |
FEMA assigns flood zone designations to areas in Payne 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 Payne 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. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.