Enter any address in Stephens County, Oklahoma to see its FEMA flood zone
Flash flooding from severe thunderstorms is the dominant flood character in Stephens County. Between 2023 and 2025, NOAA Storm Events data recorded 61 flash flood events and 11 flood events. Recent examples include significant flash flooding concerns on April 30, 2025, following multiple rounds of severe convection, and widespread flooding impacting central and southern Oklahoma on May 2, 2025.
National Flood Insurance Program (NFIP) claims data from Stephens County shows a range of flood impacts across different zones. Zone A experienced 42 claims with an average payout of $8,167 and an average water depth of 4.6 feet. Zone X, which includes both shaded and unshaded areas, saw 21 claims with an average payout of $14,127 and an average water depth of 2.2 feet. Properties in Zone A and Zone X may warrant the most attention due to the number of claims and recorded water depths.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
15 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Stephens County, Oklahoma has recorded 72 flood-related events since 1996 according to NOAA's Storm Events Database, including 61 flash floods and 11 river or area floods. The county has received 35 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Wildhorse Fire | Fire | Mar 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Nov 2, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Jun 14, 2023 |
| Severe Winter Storm | Severe Ice Storm | Feb 8, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 8, 2021 |
| Severe Winter Storm | Severe Ice Storm | Oct 26, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Apr 30, 2019 |
| Severe Storms And Flooding | Flood | Jun 11, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | Apr 30, 2025 | 15.00K |
| Flash Flood | Apr 30, 2025 | 30.00K |
| Flash Flood | Apr 26, 2025 | 0.00K |
| Flood | May 2, 2025 | 0.00K |
| Flash Flood | Apr 27, 2024 | 0.00K |
| Flash Flood | Oct 4, 2023 | 0.00K |
| Flash Flood | Mar 19, 2020 | 0.00K |
| Flash Flood | May 15, 2020 | 0.00K |
| Flood | May 15, 2020 | 0.00K |
Flash Flood — Apr 30, 2025
Multiple rounds of severe convection and flooding occurred from the predawn hours of the 29th into morning hours of the 30th. The most significant round of severe thunderstorm activity occurred across portions of western-north Texas on the evening of the 29th, where intense supercell thunderstorms produced very large hail, damaging wind gusts and a pair of significant (EF-2+) tornadoes. Signifi...
Flash Flood — Apr 26, 2025
A slow-moving mesoscale convective vortex (MCV) produced severe weather and flash flooding during the morning and afternoon of the 26th. An initial complex of thunderstorms across southwestern Oklahoma and western-north Texas produced reports of thunderstorm wind damage and large hail, especially with a supercell thunderstorm that moved near the city of Lawton. Areas of persistent heavy rainfal...
Flood — May 2, 2025
Numerous severe thunderstorms impacted portions of central and southern Oklahoma and western-north Texas early on the morning of the 2nd. Synoptically, this convective episode was driven by the approach of a weak shortwave trough rounding the periphery of a broader upper system across the Central and Northern Plains. Very strong elevated instability and sufficient wind shear promoted organized ...
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 — Oct 4, 2023
A high-amplitude upper trough swept across the Central and Southern Plains on the 4th. The southern branch/maxima of the upper jet provided sufficient synoptic lift that, combined with multiple surface fronts across the area (cold front approaching from northwest with stationary boundary along Red River) aided in widespread strong to severe thunderstorm development in areas along and south of t...
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 Stephens 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 Stephens 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.