FEMA flood zone rules in Owasso, OK — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Owasso's stormwater management ordinance (Ordinance 1123, codified as Part 18) addresses floodplain and stormwater management. Pools and structures in flood hazard areas must comply with FEMA requirements and demonstrate no increase to design flood elevation. Vegetative buffers are required along streams and wetlands. The city participates in the NFIP. New FEMA maps for Tulsa County become effective June 10, 2026.
Owasso participates in the National Flood Insurance Program and enforces floodplain management regulations. Properties in FEMA-designated Special Flood Hazard Areas (100-year floodplain) must meet minimum construction standards. New buildings must be elevated above base flood elevation. Substantial improvements to existing structures trigger elevation requirements. Flood insurance required for federally-backed mortgages in SFHA zones. Fill and grading in floodways prohibited. Owasso may maintain higher standards than FEMA minimums. Flood zone maps available through FEMA Map Service Center and local planning department.
Construction below flood elevation: retroactive compliance required, fines $500 to $5,000. Floodway encroachment: removal order. Failure to maintain flood insurance: lender force-placement at higher cost.
Owasso, OK
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