Frequently Asked Questions
more on Dam Safety
I plan to build a pond on my land. Do I need a permit to use water from it?
Surface water in Oklahoma is considered to be publicly owned and available to anyone who can demonstrate a need to use the water for a beneficial purpose and can show a right to access the water's source.
As the state's designated steward of Oklahoma's water resources, the OWRB
regulates water use to preserve supplies for future users. Because you
own the land upon which your pond is located, you have access to the water
and are entitled to use it without a permit for domestic purposes, such
as watering livestock up to the normal grazing capacity of your land.
However, if you use the water for specified agricultural, municipal, industrial,
or related purposes, Oklahoma law requires that you obtain
a permit from
Is construction of my pond subject
to any state, federal, or local requirements?
Generally, if your impoundedment is greater than 25 feet in height and
impounds 15 acre-feet or more of water storage or is greater than
6 feet in height and impounds 50 acre-feet or more, you must submit to
the OWRB plans and specifications related to construction of the new dam.
(Plans and specs are also required for modification to existing structures
under OWRB jurisdiction.) However, if the pond is primarily for agricultural
use and designed by an agricultural agency, the OWRB only requires filing
of a notice of intent for construction. The OWRB strongly suggests that
you contact an agency dam safety official early in the construction planning
Is a dam near my property well maintained?
If you are concerned about a dam near you, contact our agency and request the most recent
inspection report. You will need to know the exact location of the dam or its ID number. If it is not a
high-hazard dam (life or property is not at significant risk) no inspection report is required and hence unavailable.
more on Financial Assistance
When submitting an application
for financial assistance to the OWRB, what engineering information should
A detailed engineering
report must be submitted with all OWRB
financial applications. The report should follow the format adopted by
the Funding Agency Coordinating Team (FACT).
Am I required
to hire an engineer to prepare a preliminary engineering report?
Projects that require a "Permit to Construct" from
Department of Environmental Quality (DEQ) are required to have a
registered professional engineer prepare an engineering
design analysis, as well as the plans and specifications.
Projects that do not require a DEQ "Permit
to Construct" are reviewed on a case-by-case
Which financial applications
require submittal of an Environmental Information Document (EID)?
The Clean Water and Drinking Water Revolving Loan Funds
require submittal of an Environmental
Information Document (EID).
The OWRB prepares and issues the environmental decision for the CWSRF
loan program and the Oklahoma Department
of Environmental Quality (DEQ)
prepares and issues the
environmental decision for the DWSRF loan program.
I would like to obtain a loan
from the OWRB. How do I get started?
The first step is
to submit a preliminary
application to the Board. For a Clean
Water State Revolving Fund loan, contact the OWRB and request to
be placed on the CWSRF priority list. Drinking
Water State Revolving Fund loan projects are recommended by the Oklahoma
Department of Environmental Quality. Applicants
should contact DEQ at (405) 702-8100 and ask to be placed on the
Is there a penalty for
prepayment of OWRB loan principal?
No. There is no penalty for pre-payment of any loan issued by
the OWRB. However, loans from OWRB Revenue Bonds may require that prepayments
be received during a specified time period or window of opportunity. Please
contact an OWRB financial analyst for details.
What are the interest rates for OWRB
The variable interest rate for a Bond loan changes quarterly. The fixed interest rate for bond loans is set at the time of
closing and is based on market conditions at that time. For more information,
see current rates.
Are previously incurred
engineering expenses eligible for reimbursement from OWRB loan funds?
Yes. Costs directly associated with any engineering study or report
related to the proposed project can be reimbursed. For tax purposes,
Revenue Bond loans require that a Reimbursement Resolution be provided
to the OWRB before any costs are
Am I required to hire
a financial advisor?
No. A financial advisor is not required for any OWRB loan. However, many
communities hire a financial advisor to help them complete the
loan application and identify the source(s) of repayment. Financial
advisor fees may be included in the loan.
Am I required to hire
Yes. Both a local attorney and a bond attorney are required to close
all OWRB loans. Attorney fees may be included in the loan.
Do I require a trustee
All Revenue Bond loans require a trustee bank; loan funds
are transferred to the trustee bank at loan closing and payment requests
are made from the trustee bank account. DWSRF and CWSRF loans
require a trustee bank after construction is complete; during construction, loan funds are transferred to
the borrower as costs are incurred.
When are loan payments
Loan payments for bond loans begin the month following loan closing
and are due to the trustee bank on the 15th of each month
until the loan matures. Loan principal payments for DWSRF and CWSRF loans
begin within six months of construction completion and are due to the
OWRB semi-annually until the loan matures. Interest and administrative
fees are billed every six months after the loan is closed and eligible
loan costs have been paid.
What type of "emergency" would
qualify for an OWRB Emergency Grant?
An emergency is defined
in Chapter 50 of
Rules and Regulations as any situation where the life, health, or
property of persons being served
an entity are endangered. OWRB rules include three categories (see 785:50-7)
of emergency that must all be beyond control of the applicant. Examples
include water well contamination, damage from mudslides, flood-damaged
lines, and tornado damage. Failures due to poor maintenance are not
What should a complete grant
All grant applications must be signed and attested and include
the attorney's signature. The application must also include the Resolution
authorizing application to the OWRB, incorporation documents for the entity,
a copy of the ordinance/resolution adopting the current water and/or sewer
rates (if necessary), a copy of the water purchase contract, the most
recent audit and a preliminary engineering report with an estimated cost
of the project.
We have been awarded a REAP and/or
Emergency Grant. When will we get the money?
After the OWRB approves the grant, certain documentation
is required prior to the release of funds, including the executed Grant
Agreement, verification that a separate account for the funds has been
opened, executed contract documents, Notice to Proceed, and copy of
DEQ Permit to Construct (when required). Upon receipt of all necessary
documentation, OWRB staff request a check from the Office of State Finance.
(This usually requires seven to 10 days.) Once the check is received,
staff contact the entity regarding delivery.
When are REAP applications
REAP applications must be received by the OWRB by 5:00 p.m. on the first business day of September to be considered for potential funding from the following Fiscal Year appropriations.
more on Floodplains
How can I find out if my property lies within
a regulatory floodplain?
Flood insurance rate maps (FIRMs), published by the Federal
Emergency Management Agency, indicate a community's flood hazard areas
and degree of risk in those areas. Communities that participate in
National Flood Insurance
usually have FIRMs on file in a local repository (i.e., the local planning,
zoning or engineering office, town hall or county government headquarters).
These maps are also available for a reasonable cost from the FEMA
Map Service Center (toll-free number, 1-800-358-9616), P.O. Box
1038, Jessup, Maryland, 20794-1038. Due to liability concerns, OWRB
are prohibited from making FIRM flood hazard determinations unless the
determination is for state-owned or -operated property.
My property lies in a regulatory floodplain,
but my community does not participate in the National Flood Insurance
Program. Am I prohibited from purchasing flood insurance?
No. You may still buy flood insurance if your community doesn't participate
in the NFIP; however,
it will likely be more expensive because the premium is rated on the
risk involved and is based upon the relationship between the 100-year
flood elevation and your home's lowest floor.
My property doesn't lie in a regulatory floodplain.
Am I still eligible for flood insurance?
Yes. You may purchase flood insurance from any licensed insurance agent,
regardless of where you live in an NFIP member community. In fact, the
NFIP has a special low-cost policy for homes not located in a Special
Flood Hazard Area.
Do I need a permit from the OWRB if
I want to build a house in the floodplain?
No. However, you will need a floodplain development permit from the local
jurisdiction in which you live, such as a city, town, or county, and you
should contact your local
floodplain administrator. The OWRB does regulate development in
floodplains of state-owned or state-operated property.
Groundwater & Water Well Drilling
more on Water Well Drilling
How do I find out if there is sufficient groundwater available in an
area where I am considering purchasing land?
While OWRB staff are unable to predict with absolute certainty whether
or not groundwater is available in a specific area, agency hydrologists
can utilize available aquifer and water well yield data to assist citizens
in identifying the locations most likely to produce sufficient well yields.
Where can I get maps of the state's aquifers?
The Oklahoma Geological
Survey publishes and maintains Hydrologic Atlases for Oklahoma. They are
available from the agency's Publication Section. In addition, the U.S.
Geological Survey has digital data sets describing characteristics of some
Where can I get depth-to-water information
on the state's aquifers?
The OWRB maintains a water resource monitoring network of approximately
750 wells for which depth-to-water information is collected on an
annual basis. In addition, the OWRB possesses a database of water well driller
logs that indicate the first zone of water encountered and often depth
to water of the associated well. Contact the OWRB's Planning and Management
Division for more information at (405) 530-8800.
How can I find out if there are any water
wells located on my property or within a certain distance of my property
For a nominal fee, OWRB staff can conduct a search of the agency's water
well log database and produce a list of wells in a particular area, including
information on completion date, depth, and related details. However,
data is somewhat limited for water wells constructed prior to 1970.
I need to have a water well drilled.
How can I find a reputable well driller in my area?
The OWRB licenses well drillers
and pump installers who do business in
Am I required to locate my water well some
minimum distance from my property boundaries?
Distance requirements exist only for wells drilled into those groundwater
basins for which the OWRB has determined a maximum annual yield. Current
rules state that the spacing distance for those wells (other than domestic)
is 1,320 feet from any other authorized well owned by another party. Maximum
annual yield studies have been completed on many of Oklahoma's major and
minor groundwater basins.
Rural Water Districts & Service
My property is located outside a municipal
water service area and I lack access to a potable source of drinking water.
How do I find out if there is a rural water system in my area?
The OWRB recently completed a survey
of more than 700 rural water systems in Oklahoma and maintains a database
of related information.
Whom should I contact with a
complaint about the water rates and/or operation of my rural water
While the OWRB works periodically with many of the state's rural water
districts and related entities, the agency has no jurisdiction over their
operation and management. First, try to work out the problem with the
district board or other local rule-making body. The Oklahoma
Rural Water Association (in Oklahoma City, 405-672-8925), an organization that represents
the interests of the state's rural water systems, may also assist in mediating
conflicts and problems.
Water Quality & Pollution
more on Water Quality
What should I do if my
pond or lake has suffered a fish kill?
Contact the Oklahoma
Department of Wildlife Conservation at 405-521-3851.
What should I do if I have a complaint
odor, taste, or appearance of drinking water and/or water pollution?
Contact the Oklahoma
Department of Environmental Quality using their toll-free hotline
What should I do if I have
problems or questions about soil erosion and/or sediment in
Contact the Oklahoma
Water Use & Water Law
Do I need a water use permit from the OWRB?
If you intend to use water for any purpose other than domestic use ,
Oklahoma law requires that you obtain a permit from the OWRB.
What is considered "domestic
Domestic use is the use of water for household purposes, for farm
and domestic animals up to the normal grazing capacity of the land, and
for the irrigation of land not exceeding a total of three acres in area
for the growing of gardens, orchards, and lawns. Domestic use also includes
water used for agricultural purposes by natural individuals, use for
protection, and use by non-household entities for drinking water, restrooms,
and watering of lawns, provided such uses don't exceed five acre-feet
If groundwater use is a private
property right, why is it regulated?
The State Legislature has determined that reasonable regulation of groundwater
is required to preserve at least the minimum life of state groundwater
supplies and ensure that landowners receive their designated share of