3 flood insurance claims·$125,348 paid
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 Texas 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 slow-moving summer thunderstorms dominates the flood profile of Texas County, Oklahoma. Over the last 30 years, NOAA records show 15 flash flood events compared to 4 general flood events. This risk is driven by weather patterns such as the slow-moving cold front from Kansas that combined with abundant atmospheric moisture and upper-level dynamics to produce persistent showers and thunderstorms across the region, as observed during events in June 2024.
National Flood Insurance Program records indicate that historical claims in the county are concentrated in high-risk areas. Specifically, Zone A has recorded 3 claims with an average payout of $41,783 and an average recorded water depth of 2 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A, as these areas face the direct financial and physical impacts of localized rising waters and face documented flood insurance claims.
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 2 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.
7 NOAA storm reports from Texas County describe what happened, in the words of the forecasters who covered it. Read the Oklahoma flood stories →
21 federal disaster declarations since 2001.
| Disaster | Began |
|---|---|
| Stevens Fire | Feb 17, 2026 |
| Cobb Fire | Dec 15, 2021 |
| Severe Winter Storm | Feb 8, 2021 |
| Severe Winter Storms | Feb 8, 2021 |
| Severe Storms, Tornadoes, And Flooding | Apr 28, 2017 |
| Severe Winter Storm | Jan 13, 2017 |
| Guymon Fire | Apr 3, 2011 |
| Severe Winter Storm | Jan 31, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
19 since 1996: 15 flash floods and 4 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jun 19, 2024 | — |
| Flash Flood | Jun 19, 2024 | — |
| Flash Flood | Jun 18, 2024 | — |
| Flood | Jun 18, 2024 | — |
| Flood | Jun 24, 2018 | — |
| Flash Flood | Apr 16, 2016 | — |
| Flash Flood | Oct 2, 2016 | — |
| Flash Flood | Jul 21, 2014 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jun 19, 2024. A slow moving cold front moved south out of Kansas into the northern Panhandles during the evening of June 18 into the morning of June 19, 2024. The cold front along with upper level dynamics and abundant moisture throughout the atmosphere, combined to form a line of showers and thunderstorms across the northern half of the Panhandles, in particular for the Oklahoma Panhandle. Due to weak flow aloft, the storms mo…
Flash Flood · Jun 19, 2024. A slow moving cold front moved south out of Kansas into the northern Panhandles during the evening of June 18 into the morning of June 19, 2024. The cold front along with upper level dynamics and abundant moisture throughout the atmosphere, combined to form a line of showers and thunderstorms across the northern half of the Panhandles, in particular for the Oklahoma Panhandle. Due to weak flow aloft, the storms mo…
Flash Flood · Jun 18, 2024. A slow moving cold front moved south out of Kansas into the northern Panhandles during the evening of June 18 into the morning of June 19, 2024. The cold front along with upper level dynamics and abundant moisture throughout the atmosphere, combined to form a line of showers and thunderstorms across the northern half of the Panhandles, in particular for the Oklahoma Panhandle. Due to weak flow aloft, the storms mo…
Flood · Jun 18, 2024. A slow moving cold front moved south out of Kansas into the northern Panhandles during the evening of June 18 into the morning of June 19, 2024. The cold front along with upper level dynamics and abundant moisture throughout the atmosphere, combined to form a line of showers and thunderstorms across the northern half of the Panhandles, in particular for the Oklahoma Panhandle. Due to weak flow aloft, the storms mo…
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 Texas 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.