Enter any address in Pontotoc County, Oklahoma to see its FEMA flood zone
Flash flooding from severe thunderstorms is the dominant flood character in Pontotoc County. Between 2000 and 2020, NOAA Storm Events data recorded 46 flash flood events compared to 6 general flood events. For example, widespread thunderstorms caused flash flooding across southeastern Oklahoma on June 3, 2025, and localized flash flooding occurred in southern Oklahoma on June 30, 2025.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone X have experienced the most claims, with an average payout of $55,002 and an average water depth of 10.5 feet. While fewer claims have been filed in Zone A and Zone X_Unshaded, these areas also show flood depths averaging 1.0 foot. Residents in areas designated as Zone X, or those located near waterways, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
18 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Pontotoc County, Oklahoma has recorded 52 flood-related events since 1996 according to NOAA's Storm Events Database, including 46 flash floods and 6 river or area floods. The county has received 24 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Tornado | Apr 25, 2024 |
| Severe Winter Storm | Severe Ice Storm | Feb 8, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 8, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Tornado | May 16, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 5, 2015 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Storm | Jan 28, 2010 |
| Severe Winter Storm | Severe Storm | Dec 24, 2009 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 30, 2025 | 0.00K |
| Flood | May 6, 2025 | 0.00K |
| Flood | May 6, 2025 | 25.00K |
| Flash Flood | Jun 3, 2025 | 0.00K |
| Flash Flood | Apr 27, 2024 | 0.00K |
| Flash Flood | Jun 4, 2024 | 0.00K |
| Flash Flood | Mar 23, 2023 | 0.00K |
| Flash Flood | Jul 11, 2023 | 0.00K |
| Flash Flood | Jul 9, 2023 | 0.00K |
| Flash Flood | Oct 4, 2023 | 0.00K |
Flash Flood — Jun 30, 2025
Widespread strong-to-severe thunderstorms developed along a quasi-stationary boundary across central and southern Oklahoma and western-north Texas during the evening of the 30th. In addition to a measured severe-caliber wind gust, the combination of high moisture content in the lower atmosphere and slow-moving thunderstorms led to a few localized areas of flash flooding across southern Oklahoma.
Flood — May 6, 2025
A round of heavy thunderstorms impacted southern Oklahoma during the morning of the 6th, resulting in additional flooding across areas already saturated from previous heavy rainfall.
Flash Flood — Jun 3, 2025
Widespread severe thunderstorms, organized along a passing cold front, impacted much of Oklahoma and western-north Texas on the afternoon and evening of the 3rd. In addition to reports and observations of thunderstorm wind damage and large hail, six tornadoes occurred across the WFO Norman Forecast Area. Flash flooding also occurred during the evening hours across southeastern Oklahoma due to r...
Flash Flood — Apr 27, 2024
A widespread, long-duration and historic severe weather and tornado outbreak occurred from the late morning through late evening on the 27th. In all, 32 tornadoes affected portions of the WFO Norman Forecast Area, the third most in a single day during the period of reliable record. This included six significant (EF-2+) tornadoes and one violent (EF-4) tornado that struck Marietta (Love County)....
Flash Flood — Jun 4, 2024
Multiple rounds of severe weather produced reports of thunderstorm wind, large hail and flash flooding across central into southern Oklahoma on the 4th into the early morning hours of the 5th. The first convective episode began just after midnight on the 4th when a (strong) warm air advection pattern commenced across central into southern Oklahoma. Initial activity slowly organized into a line ...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Pontotoc 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 Pontotoc 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. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.