Flood Help Guide

Oklahoma flood insurance and flood history

From FEMA's flood insurance and disaster data · Updated 2026-10-08

12,998NFIP flood claims since 1978
$260.7 millionPaid on those claims
$63,495Average paid claimlast 10 years
0.5%Homes with NFIP flood insurance
33Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 12,998 flood insurance claims in Oklahoma since 1978. The NFIP paid $260.7 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1984, with 1,633, mostly from Flooding.

In the last ten years (2017–2026) there were 1,197 claims, and the average paid claim was $63,495.

32% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.5% of homes in Oklahoma had an NFIP flood policy in FEMA's latest count (6,994 of 1,514,753 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 13% (4,250 of 33,967).

Since 2000, FEMA has made 33 flood-related disaster declarations covering parts of Oklahoma. The most recent was DR-4862-OK (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), declared March 18, 2025.

Flood insurance claims in Oklahoma by year

NFIP flood claims per year in Oklahoma, 1978 to 202605001k1.5k2k1978: 97 claims, $285,809 paid1979: 387 claims, $1.2 million paid1980: 185 claims, $396,071 paid19801981: 137 claims, $530,060 paid1982: 215 claims, $819,967 paid1983: 205 claims, $1.2 million paid1984: 1,633 claims, $32.6 million paid1985: 328 claims, $1.8 million paid1986: 1,101 claims, $14.5 million paid1987: 315 claims, $2.8 million paid1988: 102 claims, $385,899 paid1989: 235 claims, $1.3 million paid1990: 224 claims, $1.5 million paid19901991: 41 claims, $186,486 paid1992: 128 claims, $769,095 paid1993: 688 claims, $8.8 million paid1994: 307 claims, $4.0 million paid1995: 663 claims, $6.9 million paid1996: 111 claims, $985,145 paid1997: 81 claims, $743,680 paid1998: 237 claims, $2.5 million paid1999: 229 claims, $2.4 million paid2000: 469 claims, $8.3 million paid20002001: 46 claims, $506,983 paid2002: 96 claims, $612,252 paid2003: 33 claims, $95,834 paid2004: 162 claims, $2.2 million paid2005: 16 claims, $104,297 paid2006: 42 claims, $1.4 million paid2007: 1,006 claims, $30.6 million paid2008: 346 claims, $6.9 million paid2009: 152 claims, $3.1 million paid2010: 262 claims, $5.9 million paid20102011: 144 claims, $3.1 million paid2012: 37 claims, $589,099 paid2013: 352 claims, $9.2 million paid2014: 38 claims, $1.5 million paid2015: 761 claims, $27.0 million paid2016: 190 claims, $8.6 million paid2017: 110 claims, $2.5 million paid2018: 57 claims, $1.1 million paid2019: 614 claims, $43.0 million paid2020: 51 claims, $1.7 million paid20202021: 76 claims, $3.1 million paid2022: 117 claims, $6.2 million paid2023: 17 claims, $135,780 paid2024: 28 claims, $1.4 million paid2025: 95 claims, $4.6 million paid2026: 32 claims, $794,767 paid
NFIP claims per year by year of loss. Hover or tap a bar for the count and amount paid. 2026 is partial.
Show as a table
YearClaimsPaid
202632$794,767
202595$4.6 million
202428$1.4 million
202317$135,780
2022117$6.2 million
202176$3.1 million
202051$1.7 million
2019614$43.0 million
201857$1.1 million
2017110$2.5 million
2016190$8.6 million
2015761$27.0 million
201438$1.5 million
2013352$9.2 million
201237$589,099
2011144$3.1 million
2010262$5.9 million
2009152$3.1 million
2008346$6.9 million
20071,006$30.6 million
200642$1.4 million
200516$104,297
2004162$2.2 million
200333$95,834
200296$612,252
200146$506,983
2000469$8.3 million
1999229$2.4 million
1998237$2.5 million
199781$743,680
1996111$985,145
1995663$6.9 million
1994307$4.0 million
1993688$8.8 million
1992128$769,095
199141$186,486
1990224$1.5 million
1989235$1.3 million
1988102$385,899
1987315$2.8 million
19861,101$14.5 million
1985328$1.8 million
19841,633$32.6 million
1983205$1.2 million
1982215$819,967
1981137$530,060
1980185$396,071
1979387$1.2 million
197897$285,809

Biggest flood events by NFIP payments

The flood events FEMA's claims data names most often for Oklahoma, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.

EventYearClaimsPaid
Flooding19841,585$32.5 million
Thunderstorms2007481$17.9 million
Early summer storms2015371$15.5 million
Flooding19861,010$14.3 million
Flooding1993497$6.1 million
Early winter storms201597$3.6 million
Tropical Storm Bill201537$1.7 million
Hurricane Ike200864$1.5 million
Flooding1983132$884,386
Flooding1985117$681,086

Flood history by county

Every Oklahoma county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy.

CountyClaimsPaidInsuredFlood declarations
Tulsa County3,822$71.4 million0.7%5
Oklahoma County1,715$24.7 million0.5%10
Ottawa County1,161$30.6 million1.5%13
Comanche County835$23.4 million1.0%10
Logan County460$4.9 million0.2%12
Cleveland County400$7.3 million0.6%5
Washington County372$8.5 million0.9%4
Kay County346$3.2 million0.5%12
Wagoner County341$9.7 million0.7%7
Kingfisher County288$5.0 million0.4%10
Muskogee County260$15.8 million0.6%14
Creek County259$3.0 million0.3%4
Rogers County247$6.0 million0.7%8
Canadian County232$3.6 million0.4%11
Grady County229$5.0 million0.3%12
Pottawatomie County153$2.4 million0.4%9
Mayes County122$3.3 million0.4%9
Delaware County115$1.7 million0.4%11
Okmulgee County111$3.9 million0.3%14
Cherokee County106$1.9 million0.5%8
Payne County100$1.2 million0.4%4
Osage County96$1.2 million0.3%9
Stephens County91$918,7070.2%9
Carter County84$2.5 million0.2%5
Garfield County81$422,3720.4%7
Garvin County65$1.4 million0.6%8
McCurtain County54$922,6030.3%6
McClain County49$731,0850.3%10
Craig County46$1.3 million0.3%12
Sequoyah County46$1.2 million0.4%10
Woodward County46$187,6660.7%5
Caddo County44$1.3 million0.3%16
Seminole County44$1.1 million0.2%10
Le Flore County43$1.3 million0.3%10
Alfalfa County37$232,7730.7%11
Harmon County27$195,3780.3%4
Lincoln County27$76,5420.1%11
Bryan County26$1.1 million0.1%7
Pittsburg County26$409,0940.4%14
Adair County25$1.1 million0.2%10
Kiowa County22$515,8120.3%13
Pontotoc County22$691,4750.1%6
Custer County19$184,0840.1%10
Major County18$256,6050.3%11
Cotton County17$160,5530.2%13
Nowata County13$357,0000.3%11
Woods County11$118,2080.1%8
Grant County9$110,2450.1%10
Beckham County8$53,7490.1%9
Marshall County8$23,0400.1%4
Atoka County7$94,8000.0%7
Blaine County7$119,5590.1%11
Jackson County7$6,5180.3%10
Murray County7$132,4470.1%5
Choctaw County6$236,4940.2%5
Haskell County6$131,8130.0%12
Jefferson County6$80,5840.1%7
Pawnee County6$43,1480.0%6
Tillman County5$65,8830.1%14
Washita County5$104,6090.2%14
Greer County4$35,2590.1%6
Johnston County4$222,9700.0%7
Noble County4$22,2640.1%8
Ellis County3$10,1650.0%8
Latimer County3$46,0100.1%9
McIntosh County3$104,9370.2%9
Texas County3$125,3480.2%4
Coal County2$26,6970.1%10
Harper County2$8,8690.0%6
Hughes County2$9,9450.1%9
Okfuskee County2$4,1700.0%16
Beaver County1$00.1%6
Love County1$9,9560.0%7
Pushmataha County1$00.2%10
Cimarron County0$00.0%5
Dewey County0$00.0%12
Roger Mills County0$00.1%10

Flood-related FEMA disaster declarations in Oklahoma

Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.

DeclarationDeclaredEventHelp for individuals
DR-4862-OK Mar 18, 2025 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
DR-4791-OK Jun 14, 2024 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding Yes
DR-4776-OK Apr 30, 2024 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding Yes
DR-4670-OK Sep 20, 2022 Severe Storms, Tornadoes, and Flooding No
DR-4657-OK Jun 29, 2022 Severe Storms, Tornadoes, and Flooding Yes
DR-4456-OK Aug 7, 2019 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
DR-4453-OK Jul 12, 2019 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding No
DR-4438-OK Jun 1, 2019 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding Yes
EM-3411-OK May 25, 2019 Flooding No
DR-4324-OK Jul 25, 2017 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding No
DR-4315-OK May 26, 2017 Severe Storms, Tornadoes, and Flooding No
DR-4274-OK Jul 15, 2016 Severe Storms and Flooding No
DR-4256-OK Feb 10, 2016 Severe Winter Storms and Flooding No
DR-4247-OK Dec 29, 2015 Severe Winter Storms and Flooding No
DR-4222-OK May 26, 2015 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding Yes
DR-4117-OK May 20, 2013 Severe Storms, Tornadoes, and Flooding Yes
DR-4064-OK Jun 14, 2012 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding No
DR-1989-OK Jun 6, 2011 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding Yes
DR-1988-OK May 27, 2011 Severe Storms and Flooding No
DR-1926-OK Jul 26, 2010 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding No
DR-1803-OK Oct 9, 2008 Severe Storms, Tornadoes, and Flooding No
DR-1775-OK Jul 9, 2008 Severe Storms and Flooding No
DR-1756-OK May 14, 2008 Severe Storms, Tornadoes, and Flooding Yes
DR-1754-OK May 9, 2008 Severe Storms, Tornadoes, and Flooding No
DR-1752-OK May 5, 2008 Severe Storms, Tornadoes, and Flooding No

Showing the 25 most recent of 33.

What to do with this

A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.