Oklahoma flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
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
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 32 | $794,767 |
| 2025 | 95 | $4.6 million |
| 2024 | 28 | $1.4 million |
| 2023 | 17 | $135,780 |
| 2022 | 117 | $6.2 million |
| 2021 | 76 | $3.1 million |
| 2020 | 51 | $1.7 million |
| 2019 | 614 | $43.0 million |
| 2018 | 57 | $1.1 million |
| 2017 | 110 | $2.5 million |
| 2016 | 190 | $8.6 million |
| 2015 | 761 | $27.0 million |
| 2014 | 38 | $1.5 million |
| 2013 | 352 | $9.2 million |
| 2012 | 37 | $589,099 |
| 2011 | 144 | $3.1 million |
| 2010 | 262 | $5.9 million |
| 2009 | 152 | $3.1 million |
| 2008 | 346 | $6.9 million |
| 2007 | 1,006 | $30.6 million |
| 2006 | 42 | $1.4 million |
| 2005 | 16 | $104,297 |
| 2004 | 162 | $2.2 million |
| 2003 | 33 | $95,834 |
| 2002 | 96 | $612,252 |
| 2001 | 46 | $506,983 |
| 2000 | 469 | $8.3 million |
| 1999 | 229 | $2.4 million |
| 1998 | 237 | $2.5 million |
| 1997 | 81 | $743,680 |
| 1996 | 111 | $985,145 |
| 1995 | 663 | $6.9 million |
| 1994 | 307 | $4.0 million |
| 1993 | 688 | $8.8 million |
| 1992 | 128 | $769,095 |
| 1991 | 41 | $186,486 |
| 1990 | 224 | $1.5 million |
| 1989 | 235 | $1.3 million |
| 1988 | 102 | $385,899 |
| 1987 | 315 | $2.8 million |
| 1986 | 1,101 | $14.5 million |
| 1985 | 328 | $1.8 million |
| 1984 | 1,633 | $32.6 million |
| 1983 | 205 | $1.2 million |
| 1982 | 215 | $819,967 |
| 1981 | 137 | $530,060 |
| 1980 | 185 | $396,071 |
| 1979 | 387 | $1.2 million |
| 1978 | 97 | $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.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1984 | 1,585 | $32.5 million |
| Thunderstorms | 2007 | 481 | $17.9 million |
| Early summer storms | 2015 | 371 | $15.5 million |
| Flooding | 1986 | 1,010 | $14.3 million |
| Flooding | 1993 | 497 | $6.1 million |
| Early winter storms | 2015 | 97 | $3.6 million |
| Tropical Storm Bill | 2015 | 37 | $1.7 million |
| Hurricane Ike | 2008 | 64 | $1.5 million |
| Flooding | 1983 | 132 | $884,386 |
| Flooding | 1985 | 117 | $681,086 |
What flood insurance costs in Oklahoma
On June 30, 2026, 8,263 NFIP flood insurance policies were in force in Oklahoma. For the 6,368 single-family homes among them, the typical (median) yearly cost was about $1,060; the average was $1,180.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 5,182 | $1,140 | $1,340 | $160,000 |
| Moderate- and low-risk zones (B, C and X) | 3,080 | $940 | $930 | $225,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
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; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| Tulsa County | 3,822 | $71.4 million | 0.7% | $1,040 | 5 |
| Oklahoma County | 1,715 | $24.7 million | 0.5% | $990 | 10 |
| Ottawa County | 1,161 | $30.6 million | 1.5% | $1,240 | 13 |
| Comanche County | 835 | $23.4 million | 1.0% | $1,210 | 10 |
| Logan County | 460 | $4.9 million | 0.2% | $960 | 12 |
| Cleveland County | 400 | $7.3 million | 0.6% | $910 | 5 |
| Washington County | 372 | $8.5 million | 0.9% | $1,390 | 4 |
| Kay County | 346 | $3.2 million | 0.5% | $1,010 | 12 |
| Wagoner County | 341 | $9.7 million | 0.7% | $1,190 | 7 |
| Kingfisher County | 288 | $5.0 million | 0.4% | $1,060 | 10 |
| Muskogee County | 260 | $15.8 million | 0.6% | $1,260 | 14 |
| Creek County | 259 | $3.0 million | 0.3% | $1,260 | 4 |
| Rogers County | 247 | $6.0 million | 0.7% | $1,140 | 8 |
| Canadian County | 232 | $3.6 million | 0.4% | $890 | 11 |
| Grady County | 229 | $5.0 million | 0.3% | $910 | 12 |
| Pottawatomie County | 153 | $2.4 million | 0.4% | $990 | 9 |
| Mayes County | 122 | $3.3 million | 0.4% | $1,290 | 9 |
| Delaware County | 115 | $1.7 million | 0.4% | $1,240 | 11 |
| Okmulgee County | 111 | $3.9 million | 0.3% | $1,090 | 14 |
| Cherokee County | 106 | $1.9 million | 0.5% | $1,260 | 8 |
| Payne County | 100 | $1.2 million | 0.4% | $1,090 | 4 |
| Osage County | 96 | $1.2 million | 0.3% | $1,060 | 9 |
| Stephens County | 91 | $918,707 | 0.2% | $960 | 9 |
| Carter County | 84 | $2.5 million | 0.2% | $1,190 | 5 |
| Garfield County | 81 | $422,372 | 0.4% | $840 | 7 |
| Garvin County | 65 | $1.4 million | 0.6% | $1,060 | 8 |
| McCurtain County | 54 | $922,603 | 0.3% | n/a | 6 |
| McClain County | 49 | $731,085 | 0.3% | $940 | 10 |
| Craig County | 46 | $1.3 million | 0.3% | $1,090 | 12 |
| Sequoyah County | 46 | $1.2 million | 0.4% | $1,010 | 10 |
| Woodward County | 46 | $187,666 | 0.7% | $760 | 5 |
| Caddo County | 44 | $1.3 million | 0.3% | $940 | 16 |
| Seminole County | 44 | $1.1 million | 0.2% | $910 | 10 |
| Le Flore County | 43 | $1.3 million | 0.3% | $1,090 | 10 |
| Alfalfa County | 37 | $232,773 | 0.7% | $1,060 | 11 |
| Harmon County | 27 | $195,378 | 0.3% | n/a | 4 |
| Lincoln County | 27 | $76,542 | 0.1% | n/a | 11 |
| Bryan County | 26 | $1.1 million | 0.1% | $910 | 7 |
| Pittsburg County | 26 | $409,094 | 0.4% | $1,040 | 14 |
| Adair County | 25 | $1.1 million | 0.2% | n/a | 10 |
| Kiowa County | 22 | $515,812 | 0.3% | n/a | 13 |
| Pontotoc County | 22 | $691,475 | 0.1% | n/a | 6 |
| Custer County | 19 | $184,084 | 0.1% | n/a | 10 |
| Major County | 18 | $256,605 | 0.3% | n/a | 11 |
| Cotton County | 17 | $160,553 | 0.2% | n/a | 13 |
| Nowata County | 13 | $357,000 | 0.3% | n/a | 11 |
| Woods County | 11 | $118,208 | 0.1% | n/a | 8 |
| Grant County | 9 | $110,245 | 0.1% | n/a | 10 |
| Beckham County | 8 | $53,749 | 0.1% | n/a | 9 |
| Marshall County | 8 | $23,040 | 0.1% | n/a | 4 |
| Atoka County | 7 | $94,800 | 0.0% | n/a | 7 |
| Blaine County | 7 | $119,559 | 0.1% | n/a | 11 |
| Jackson County | 7 | $6,518 | 0.3% | $590 | 10 |
| Murray County | 7 | $132,447 | 0.1% | n/a | 5 |
| Choctaw County | 6 | $236,494 | 0.2% | n/a | 5 |
| Haskell County | 6 | $131,813 | 0.0% | n/a | 12 |
| Jefferson County | 6 | $80,584 | 0.1% | n/a | 7 |
| Pawnee County | 6 | $43,148 | 0.0% | n/a | 6 |
| Tillman County | 5 | $65,883 | 0.1% | n/a | 14 |
| Washita County | 5 | $104,609 | 0.2% | n/a | 14 |
| Greer County | 4 | $35,259 | 0.1% | n/a | 6 |
| Johnston County | 4 | $222,970 | 0.0% | n/a | 7 |
| Noble County | 4 | $22,264 | 0.1% | n/a | 8 |
| Ellis County | 3 | $10,165 | 0.0% | n/a | 8 |
| Latimer County | 3 | $46,010 | 0.1% | n/a | 9 |
| McIntosh County | 3 | $104,937 | 0.2% | n/a | 9 |
| Texas County | 3 | $125,348 | 0.2% | n/a | 4 |
| Coal County | 2 | $26,697 | 0.1% | n/a | 10 |
| Harper County | 2 | $8,869 | 0.0% | n/a | 6 |
| Hughes County | 2 | $9,945 | 0.1% | n/a | 9 |
| Okfuskee County | 2 | $4,170 | 0.0% | n/a | 16 |
| Beaver County | 1 | $0 | 0.1% | n/a | 6 |
| Love County | 1 | $9,956 | 0.0% | n/a | 7 |
| Pushmataha County | 1 | $0 | 0.2% | n/a | 10 |
| Cimarron County | 0 | $0 | 0.0% | n/a | 5 |
| Dewey County | 0 | $0 | 0.0% | n/a | 12 |
| Roger Mills County | 0 | $0 | 0.1% | n/a | 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.
| Declaration | Declared | Event | Help 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:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
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.