Flood Insurance Awareness Month Proclamation

March is Flood Insurance Awareness Month in Oklahoma

OKLAHOMA CITY - Oklahoma is no stranger to flooding. With its diverse geography and intense weather patterns, the state frequently experiences flood events that cause both the tragic loss of lives and significant property damage. Some Oklahoma communities have already faced floods in 2024.

That’s why the Oklahoma Water Resources Board, the Oklahoma Floodplain Managers Association, and Governor Kevin Stitt have teamed up to proclaim March as “Flood Insurance Awareness Month” in Oklahoma.

“Oklahomans should take the first opportunity to get informed about nearby floodplains, floodplain development regulations, and make decisions about flood insurance and flood preparation,” said OWRB Executive Director Julie Cunningham. “Given the deadly and expensive nature of floods and the rapid timeframe in which they can occur, being ready for the next event is essential.”

Some ways to get prepared before the flood include determining if you live in or near a floodplain, checking flood insurance status, and making a plan for what to do in the event of a flood.

Oklahoma Flood Facts

• There is statistically a 1 in 4 chance that your home will flood during a 30-year mortgage

• Oklahomans have received more than $200,000,000 in National Flood Insurance Program (NFIP) payments.

• 30 percent of NFIP claims come from areas outside of the 100-year flood boundary.

• 405 Oklahoma counties, towns and tribes participate in the NFIP.

• Am I near a floodplain? Check with your local floodplain administrator. To find yours, visit the OWRB Floodplain Management page: https://oklahoma.gov/owrb/floodplain-management.html.

• You can also check if you live in or near a floodplain by visiting the FEMA Flood Map Service Center: https://msc.fema.gov/portal

Do I need Flood Insurance? Am I prepared for a flood event?

Your regular homeowner’s insurance policy does not cover flood damages. Consequently, one of the best ways to lessen the impact of flooding is to purchase flood insurance. Over 400 Oklahoma communities have joined the NFIP, which makes affordable flood insurance available on almost any building and its contents. Although insurance can’t prevent flooding, it can cover much of the costs (less the deductible) associated with flood damages.

To find out more about flood insurance eligibility and your property’s exposure to flood risk, contact any licensed property or casualty insurance agent or broker, or call the National Flood Insurance Program’s toll free number, 1-877-FEMAMAP or floodsmart.gov

Additional basic preparations for an eventual flood event:

• Learn the flood-warning system in your community. Find the safest route from your home to higher ground, then practice taking the route with your entire family.

• Make a list of your possessions. You should itemize your personal property, such as clothing, furnishings, and other valuables. This will provide you with a good record that will support your flood insurance claims. Photos of your property are also helpful.

• Keep a battery-operated radio and flashlight ready and in good working order. Have emergency food, water, and medical supplies on hand. If your home is severely flood prone, consider stockpiling sandbags, plastic sheeting, and other materials that can be used to temporarily protect your property.

• Keep valuables, legal documents, and insurance policies safe.