Flood Insurance

City officials encourage all residents with property adjacent to or within a floodplain to buy flood insurance.

  • Basic homeowner’s and renters insurance does not cover floods.
  • Flood insurance required by a bank or loan company comes with a 30-day waiting period before the policy becomes effective. The policy must be renewed annually.

Because the City participates in the National Flood Insurance Program (NFIP), federally subsidized flood insurance is available to City residents.

For more information about flood insurance, call your insurance agent or visit floodsmart.gov

 

Elevation Certificates

To obtain flood insurance through the National Flood Insurance Program, property owners will need a copy of an Elevation Certificate. Copies of Federal Emergency Agency (FEMA) elevation certificates of structures built in the floodplain after April 2013 are also available upon request by contacting (405) 297-2581.

To Find Out if A Copy of an Elevation Certificate Exists for Your Property
Please check this spreadsheet and search for your property address. If you find your address, please call the Drainage Division at (405) 297-2581.

 

Flood Protection Assistance

The City also participates in the Community Rating System (CRS), a federal program that offers discounted flood insurance to communities who implement higher floodplain management standards. Homeowners within a floodplain may receive a discount on their current flood insurance premium renewals.

Flood protection assistance includes site specific flood and flood related data, data on historical flooding in the neighborhood and sources for financial assistance.

For additional flood information, flood zone maps and materials contact the Drainage Division at (405) 297-2581.

FEMA Documents

Above the Flood: Elevating Your Floodprone House - May 2000
Answers to Questions about National Flood Insurance Program - March 2011
Coastal Construction Manual - August 2011
Elevated Residential Structures - March 1984
Protecting Manufactured Homes from Floods and Other Hazards - November 2009
Mitigation of Flood and Erosion Damage to Residential Buildings in Coastal Areas - October 1994
Protecting Building Utility Systems From Flood Damage - February 2017
Protecting Floodplain Resources
Reducing Damage from Localized Flooding - June 2005