Oklahoma Flood Zones
Oklahoma faces flash flooding from severe thunderstorms, riverine flooding from the Arkansas, Red, and Canadian rivers, and dam failure risks. The state's highly variable climate produces extreme rainfall events that can rapidly overwhelm river systems and urban drainage.
2 of 77 Oklahoma counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 12 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 45%.
FEMA Region
Region 6
Also covers Arkansas, Louisiana, New Mexico, +1 more
NFIP Policies
18,000
Oklahoma Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 77 Oklahoma counties.
Inland Flood Risk
2 of 77 counties rated high or very high
Hurricane Risk
0 of 75 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Oklahoma has received 24 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
2010s
2
2000s
2
1980s
7
1970s
8
1960s
1
1950s
4
Recent Declarations
Showing 8 most recent of 24 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Oklahoma properties have filed 12,966 NFIP flood insurance claims totaling $259.3M in payouts since 1978. The average claim payout is $20K.
Claims by Decade
2020s
384
2010s
2,565
2000s
2,368
1990s
2,709
1980s
4,456
1970s
484
Highest-Claim Years
Claims by Flood Zone
Zone A
5,444
Zone X
3,945
Zone AE
2,810
Zone D
341
Zone AO
103
Zone AH
4
Zone AOB
3
Zone V
2
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Flood Insurance Discounts in Oklahoma
12 Oklahoma communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Oklahoma range from 1 to 9, with discounts from 5% to 45%.
Class 1 - 45% discount
Ponca City
Class 5 - 25% discount
Class 6 - 20% discount
Class 6 - 20% discount
Del City
Class 6 - 20% discount
Class 6 - 20% discount
Sand Springs
Class 7 - 15% discount
Bartlesville
Class 7 - 15% discount
Stillwater
Class 7 - 15% discount
Class 8 - 10% discount
Class 8 - 10% discount
Enid
Class 9 - 5% discount
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Oklahoma Address
Enter a OK address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupOklahoma Cities
Explore flood zone information for major cities in Oklahoma.
Oklahoma Flood Zone FAQ
How do I check if my Oklahoma property is in a flood zone?
Enter your OK address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Oklahoma?
If your Oklahoma property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Oklahoma's flood history.
What are the most common flood zones in Oklahoma?
The most common FEMA flood zone designations in Oklahoma are Zone AE, Zone A, Zone AO, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Oklahoma property from a flood zone?
Yes, if your Oklahoma property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. For properties in Oklahoma's AE and A zones, the LOMA process is relatively straightforward when the elevation data supports it. If your property was raised above the BFE with fill, the process is a LOMR-F. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Oklahoma communities offer flood insurance discounts?
Yes, 12 Oklahoma communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 45% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Oklahoma.