Menu

Flood insurance cost · OK

Flood insurance cost in Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,761 home policies in force on August 31, 2026.

OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,070a year

Half of insured homes paid between $747 and $1,352. That is about the same as the national median ($1,082). The most common flood zone for insured homes here is zone AE (45%).

$0$747 · $1,070 · $1,352$1,690
+12.4% vs Aug 31, 2025 (median $952)
6,761home policies in force
$1,191average cost (mean)
61%of insured homes in high-risk zones (A, V)
$218,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Oklahoma, county by county.

Cost by flood zone in Oklahoma

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,165$847–$1,635$1,3693,036 (45%)+8.6%
Zone A
High risk		$1,106$758–$1,548$1,3171,023 (15%)+5.2%
Zone AO
High risk, shallow		$816$640–$974$84131 (0%)+5.3%
Zone AH
High risk, shallow		$800$530–$997$85113 (0%)+48.4%
Zone X
Moderate to low risk		$950$632–$1,230$9452,658 (39%)+6.5%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Oklahoma, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,292$1,072$1,196
2–4 unit building212$1,199$1,177
Manufactured (mobile) home203$1,075$1,215
Condo or apartment unit54$557$629
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		192$1,714$2,468
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,197$1,778$2,422
8,150NFIP policies in force, any building
8,176insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Oklahoma

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force7,3066,761−7.5%
Median annual cost$952$1,070+12.4%
Average annual cost$1,107$1,191+7.6%
All policies in force (any building)8,7648,150−7.0%

Flood claims history

Since 1978, NFIP policyholders in Oklahoma have filed 12,998 flood claims. 10,676 received a payment, for a total of $260.8 million (an average of $24,432 per paid claim). The year with the most claims was 1984 (1,633 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 97 claims, 68 paid, $285,809 in total1979: 387 claims, 293 paid, $1,228,961 in total1980: 185 claims, 140 paid, $396,071 in total19801981: 137 claims, 100 paid, $530,060 in total1982: 215 claims, 162 paid, $819,967 in total1983: 205 claims, 138 paid, $1,224,397 in total1984: 1,633 claims, 1,510 paid, $32,592,260 in total19841985: 328 claims, 248 paid, $1,783,076 in total1986: 1,101 claims, 924 paid, $14,519,550 in total19861987: 315 claims, 257 paid, $2,795,453 in total1988: 102 claims, 66 paid, $385,899 in total1989: 235 claims, 181 paid, $1,302,101 in total1990: 224 claims, 172 paid, $1,485,140 in total19901991: 41 claims, 22 paid, $186,486 in total1992: 128 claims, 102 paid, $769,095 in total1993: 688 claims, 583 paid, $8,797,291 in total1994: 307 claims, 273 paid, $3,998,929 in total1995: 663 claims, 545 paid, $6,853,022 in total1996: 111 claims, 81 paid, $985,145 in total1997: 81 claims, 62 paid, $743,680 in total1998: 237 claims, 201 paid, $2,528,826 in total1999: 229 claims, 179 paid, $2,364,292 in total2000: 469 claims, 404 paid, $8,343,541 in total20002001: 46 claims, 34 paid, $506,983 in total2002: 96 claims, 62 paid, $612,252 in total2003: 33 claims, 24 paid, $95,834 in total2004: 162 claims, 138 paid, $2,213,620 in total2005: 16 claims, 12 paid, $104,297 in total2006: 42 claims, 31 paid, $1,402,361 in total2007: 1,006 claims, 855 paid, $30,581,514 in total20072008: 346 claims, 292 paid, $6,867,313 in total2009: 152 claims, 117 paid, $3,095,483 in total2010: 262 claims, 164 paid, $5,940,077 in total20102011: 144 claims, 104 paid, $3,070,192 in total2012: 37 claims, 24 paid, $589,099 in total2013: 352 claims, 273 paid, $9,161,075 in total2014: 38 claims, 24 paid, $1,526,640 in total2015: 761 claims, 633 paid, $26,987,999 in total2016: 190 claims, 162 paid, $8,562,515 in total2017: 110 claims, 86 paid, $2,468,869 in total2018: 57 claims, 43 paid, $1,082,684 in total2019: 614 claims, 544 paid, $43,108,461 in total2020: 51 claims, 39 paid, $1,701,303 in total20202021: 76 claims, 63 paid, $3,094,853 in total2022: 117 claims, 110 paid, $6,209,414 in total2023: 17 claims2024: 28 claims, 24 paid, $1,417,764 in total2025: 95 claims, 78 paid, $4,581,662 in total2026: 32 claims, 22 paid, $794,767 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263222$794,767$36,126
20259578$4,581,662$58,739
20242824$1,417,764$59,074
202317<10––
2022117110$6,209,414$56,449
20217663$3,094,853$49,125
20205139$1,701,303$43,623
2019614544$43,108,461$79,243
20185743$1,082,684$25,179
201711086$2,468,869$28,708
2016190162$8,562,515$52,855
2015761633$26,987,999$42,635
20143824$1,526,640$63,610
2013352273$9,161,075$33,557
20123724$589,099$24,546
2011144104$3,070,192$29,521
2010262164$5,940,077$36,220
2009152117$3,095,483$26,457
2008346292$6,867,313$23,518
20071,006855$30,581,514$35,768
20064231$1,402,361$45,237
20051612$104,297$8,691
2004162138$2,213,620$16,041
20033324$95,834$3,993
20029662$612,252$9,875
20014634$506,983$14,911
2000469404$8,343,541$20,652
1999229179$2,364,292$13,208
1998237201$2,528,826$12,581
19978162$743,680$11,995
199611181$985,145$12,162
1995663545$6,853,022$12,574
1994307273$3,998,929$14,648
1993688583$8,797,291$15,090
1992128102$769,095$7,540
19914122$186,486$8,477
1990224172$1,485,140$8,635
1989235181$1,302,101$7,194
198810266$385,899$5,847
1987315257$2,795,453$10,877
19861,101924$14,519,550$15,714
1985328248$1,783,076$7,190
19841,6331,510$32,592,260$21,584
1983205138$1,224,397$8,872
1982215162$819,967$5,062
1981137100$530,060$5,301
1980185140$396,071$2,829
1979387293$1,228,961$4,194
19789768$285,809$4,203

From 2016 to 2026: 1,387 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Oklahoma

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adair County12$990
Alfalfa County22$1,070
Bryan County30$935
Caddo County34$820
Carter County37$1,153
Cherokee County84$1,301
Choctaw County12$830
Craig County19$1,089
Creek County99$1,298
Custer County10$1,000
Delaware County85$1,119
Garfield County97$854
Garvin County64$1,100
Grady County69$917
Jackson County31$612
Kay County96$1,030
Kingfisher County23$1,057
Kiowa County13$1,148
Le Flore County66$1,078
Lincoln County13$1,264
Logan County45$963
Major County10$902
Mayes County71$1,269
McClain County50$928
McCurtain County37$773
McIntosh County23$1,178
Nowata County17$978
Okmulgee County53$1,082
Osage County68$1,132
Pittsburg County66$1,049
Pontotoc County12$834
Pushmataha County14$958
Seminole County29$907
Sequoyah County63$950
Stephens County38$936
Texas County16$690
Washita County11$1,084
Woodward County59$782