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Home insurance costs & natural hazards in Oklahoma

Plain facts for Oklahoma homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Oklahoma at a glance

Four numbers most homeowners ask about first.

$2,525
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,138
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.66%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

2 of 77
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Oklahoma in numbers
4.0M
residents (2020 Census)
5.0%
of policies had a paid claim (2022, median ZIP)
$16,210
average paid claim (2022, median ZIP)
6,810
single-family NFIP flood policies (2025)

What homeowners in Oklahoma pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Oklahoma ZIP code saw homeowners premiums of $2,525 per policy in 2022, 63% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 4% between 2018 and 2022. The figures come from 423 Oklahoma ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
OklahomaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 6,810 single-family NFIP policies took effect in Oklahoma in 2025, at an average full cost of $1,138, compared with $951 in 2022. About 60% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

6,810 policies
A zones 60%X/B/C zones 40%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Oklahoma's 77 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, drought and tornado. Open any county for its full hazard profile.

How the ratings work

Hazards across Oklahoma's counties

Counties FEMA rates relatively high or very high

Oklahoma counties

All 77 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Adair County: $1,955Alfalfa County: $2,752Atoka County: $2,370Beaver County: $2,761Beckham County: $2,832Blaine County: $2,775Bryan County: $2,422Caddo County: $2,668Canadian County: $3,024Carter County: $2,522Cherokee County: $2,152Choctaw County: $2,028Cimarron County: $2,347Cleveland County: $3,210Coal County: $2,453Comanche County: $2,920Cotton County: $2,641Craig County: $2,279Creek County: $2,553Custer County: $2,874Delaware County: $2,421Dewey County: $2,500Ellis County: $2,856Garfield County: $2,444Garvin County: $2,482Grady County: $2,820Grant County: $3,308Greer County: $2,754Harmon County: $2,656Harper County: $2,487Haskell County: $2,086Hughes County: $2,479Jackson County: $3,171Jefferson County: $3,013Johnston County: $2,350Kay County: $2,302Kingfisher County: $2,757Kiowa County: $3,026Latimer County: $2,282Le Flore County: $2,122Lincoln County: $2,558Logan County: $3,000Love County: $2,546McClain County: $2,899McCurtain County: $2,263McIntosh County: $2,330Major County: $2,777Marshall County: $2,329Mayes County: $2,197Murray County: $2,461Muskogee County: $2,213Noble County: $2,857Nowata County: $2,076Okfuskee County: $2,493Oklahoma County: $3,158Okmulgee County: $2,301Osage County: $2,241Ottawa County: $2,165Pawnee County: $2,525Payne County: $2,436Pittsburg County: $2,082Pontotoc County: $2,651Pottawatomie County: $2,460Pushmataha County: $1,963Roger Mills County: $3,063Rogers County: $2,385Seminole County: $2,586Sequoyah County: $2,172Stephens County: $2,885Texas County: $2,950Tillman County: $2,532Tulsa County: $2,247Wagoner County: $2,359Washington County: $2,106Washita County: $2,806Woods County: $2,748Woodward County: $2,907
under $2,263$2,263–$2,444$2,444–$2,641$2,641–$2,857$2,857+
CountyPremiumFloodFEMA rating
Adair County$1,955$1,356Relatively Low
Alfalfa County$2,752$1,103Very Low
Atoka County$2,370—Very Low
Beaver County$2,761—Very Low
Beckham County$2,832—Relatively Low
Blaine County$2,775—Very Low
Bryan County$2,422$972Relatively Low
Caddo County$2,668$1,114Relatively Low
Canadian County$3,024$903Relatively Moderate
Carter County$2,522$1,469Relatively Low
Cherokee County$2,152$1,615Relatively Low
Choctaw County$2,028$848Relatively Low
Cimarron County$2,347—Relatively Low
Cleveland County$3,210$971Relatively Moderate
Coal County$2,453—Very Low
Comanche County$2,920$1,318Relatively Moderate
Cotton County$2,641—Very Low
Craig County$2,279$1,253Relatively Low
Creek County$2,553$1,420Relatively Moderate
Custer County$2,874—Relatively Low
Delaware County$2,421$1,257Relatively Moderate
Dewey County$2,500—Very Low
Ellis County$2,856—Very Low
Garfield County$2,444$973Relatively Moderate
Garvin County$2,482$1,131Relatively Low
Grady County$2,820$1,040Relatively Low
Grant County$3,308—Very Low
Greer County$2,754—Very Low
Harmon County$2,656—Very Low
Harper County$2,487—Relatively Low
Haskell County$2,086—Very Low
Hughes County$2,479—Very Low
Jackson County$3,171$664Relatively Moderate
Jefferson County$3,013—Very Low
Johnston County$2,350—Very Low
Kay County$2,302$1,115Relatively Low
Kingfisher County$2,757$1,188Relatively Low
Kiowa County$3,026—Very Low
Latimer County$2,282—Very Low
Le Flore County$2,122$1,142Relatively Moderate
Lincoln County$2,558$1,139Relatively Low
Logan County$3,000$1,026Relatively Low
Love County$2,546—Very Low
Major County$2,777$815Very Low
Marshall County$2,329$1,335Relatively Low
Mayes County$2,197$1,398Relatively Low
McClain County$2,899$1,036Relatively Low
McCurtain County$2,263$972Relatively Low
McIntosh County$2,330$1,048Relatively Low
Murray County$2,461—Very Low
Muskogee County$2,213$1,608Relatively Moderate
Noble County$2,857—Relatively Low
Nowata County$2,076$1,062Very Low
Okfuskee County$2,493—Very Low
Oklahoma County$3,158$1,077Relatively High
Okmulgee County$2,301$1,313Relatively Low
Osage County$2,241$1,312Relatively Low
Ottawa County$2,165$1,547Relatively Low
Pawnee County$2,525—Relatively Low
Payne County$2,436$1,259Relatively Moderate
Pittsburg County$2,082$1,031Relatively Low
Pontotoc County$2,651$887Relatively Low
Pottawatomie County$2,460$1,090Relatively Moderate
Pushmataha County$1,963$984Very Low
Roger Mills County$3,063—Very Low
Rogers County$2,385$1,260Relatively Low
Seminole County$2,586$930Relatively Low
Sequoyah County$2,172$1,089Relatively Low
Stephens County$2,885$953Relatively Low
Texas County$2,950$661Relatively Low
Tillman County$2,532—Very Low
Tulsa County$2,247$1,036Relatively High
Wagoner County$2,359$1,320Relatively Low
Washington County$2,106$1,694Relatively Low
Washita County$2,806$1,265Very Low
Woods County$2,748—Very Low
Woodward County$2,907$922Very Low

ZIP codes with the most flood policies

74008 Bixby73505 Lawton74063 Sand Springs73072 Norman74354 Miami73115 Oklahoma City74105 Tulsa73160 Oklahoma City73507 Lawton74014 Broken Arrow74006 Bartlesville74137 Tulsa

Practical next steps

Simple things Oklahoma homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.