Flood insurance in Oklahoma: cost by ZIP code and county
Only 6,483 Oklahoma homes had a single-family flood policy on July 31, 2026; their median bill was $1,060 a year.
Median single-family flood bill, Oklahoma
$1,060
6,483 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,197 |
| Policies still below their full-risk price | 43 % |
| Median paid in August 2023 | $793 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,985 |
| Median claim paid, 2016 to 2025 (919 claims) | $36,916 |
Compiled by Radif Partners · Where the numbers come from · 191 ZIP codes and 56 counties of Oklahoma in FEMA's tables · not a quote
Oklahoma's 6,483 single-family flood policies had a median total bill of $1,060 a year on July 31, 2026, including the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. That is near the national median of $1,081, and the state's prices are fairly close to full risk: the same policies would have a median bill of $1,197 at full-risk rates, and 43 % pay less than that today. No Oklahoma policy is rated in a V zone: every one is in an A zone (3,933) or an X zone (2,550). What sets Oklahoma apart is the size of its losses. From 2016 to 2025, the median paid single-family claim was $36,916, about 35 times the median yearly bill, on 919 paid claims. Tulsa County and its eastern neighbours record the largest median losses, and few homes there carry a policy.
Small market, heavy losses
Oklahoma insures 0.2 % of the country's single-family flood policies. No single storm stands out in the claims file: none of the floods from 2016 to 2025 paid enough Oklahoma claims to rank as a named event in the data. The paid claims are spread over many local floods, county by county and year by year.
The claims that were paid were large. Tulsa County's median paid claim was $73,771, on 197 claims. Wagoner County, east of Tulsa, where the USGS gauges both the Arkansas and the Verdigris rivers, reached $70,912. Both are well above the national median claim of $42,494.
An Oklahoma median claim measured in years of premium
Median single-family claim paid in Oklahoma, 2016 to 2025
$36,916
| Years of the bill entered that one median claim equals | 34 |
| Median claim, whole country | $42,494 |
| Average claim, whole country | $70,978 |
Outside the A zone, losses are almost as big
A home outside the mapped floodplain is not a home without risk. In Oklahoma, the 307 paid claims on homes rated X, B or C had a median of $31,738, close to the $40,750 of A zone claims. An X zone policy cost $944 at the median on July 31, 2026; no lender requires it, and it takes 30 days to start.
When the loss is large
The average paid claim in Oklahoma, which a few very large losses pull upward, was $59,544. A federal policy on a house pays up to $250,000 for the structure and, only if contents coverage was bought, up to $100,000 for belongings, each after its own deductible. Nationally, 79 % of single-family policies include contents coverage. The claims data do not record the depth of water in each house, only the amount paid, and in Oklahoma 919 payments added up to $54,636,628.
County prices
Tulsa County leads with 1,444 policies at a median of $1,058. Oklahoma County, home to Oklahoma City, follows with 1,124 at $1,004, and Cleveland County, around Norman, is lower at $922. Comanche County, around Lawton, recorded 149 paid claims, a lot for its 437 policies.
The northeast corner is the exception on price. Ottawa County had 74 % of its policies still capped, and Delaware County, which borders it, had the widest current to full-risk gap in FEMA's 2023 table, $868 against $2,263. The claims guide compares Oklahoma's claim sizes with other states.
The Oklahoma counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Tulsa County | 1,444 | $1,058 | $1,144 | 42 % | 1 | $780 | $73,771 |
| Oklahoma County | 1,124 | $1,004 | $1,067 | 42 % | 1 | $779 | $16,417 |
| Cleveland County | 580 | $922 | $970 | 38 % | 1 | $729 | $14,139 |
| Comanche County | 437 | $1,221 | $1,512 | 45 % | 2 | $818 | $38,429 |
| Rogers County | 244 | $1,165 | $1,422 | 54 % | 2 | $886 | $24,475 |
| Canadian County | 213 | $887 | $929 | 37 % | 1 | $715 | $25,737 |
| Ottawa County | 163 | $1,241 | $2,370 | 74 % | 5 | $800 | $32,845 |
| Wagoner County | 216 | $1,199 | $1,474 | 52 % | 2 | $801 | $70,912 |
Full-risk prices of Oklahoma homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 3,313 | 41.4 % | $327,796 |
| $1,000 to $2,000 | 2,584 | 32.3 % | $335,900 |
| $2,000 to $3,000 | 958 | 12.0 % | $354,712 |
| $3,000 to $4,000 | 498 | 6.2 % | $369,520 |
| $4,000 to $5,000 | 320 | 4.0 % | $393,212 |
| $5,000 or more | 336 | 4.2 % |