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Flood insurance cost · Comanche County, OK

Flood insurance cost in Comanche County, Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 431 home policies in force on August 31, 2026.

Comanche County, OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $858 and $1,692. That is 15% more than the Oklahoma median ($1,070). Most insured homes here are rated in zone AE (51%).

$0$858 · $1,234 · $1,692$2,115
+16.3% vs Aug 31, 2025 (median $1,061)
431home policies in force
$1,402average cost (mean)
61%of insured homes in high-risk zones (A, V)
$250,000median 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.

Cost by flood zone in Comanche County

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		$1,538$1,058–$2,091$1,681218 (51%)+12.1%
Zone A
High risk		$1,371$1,033–$1,968$1,74344 (10%)+9.7%
Zone X
Moderate to low risk		$944$641–$1,233$953169 (39%)+8.0%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Comanche County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home427$1,234$1,407
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		50$1,674$1,986

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

486NFIP policies in force, any building
496insured units (condo association policies count every unit)
71%of home policies also cover contents
$92,000median contents coverage, when bought

One year on: Comanche County

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 force460431−6.3%
Median annual cost$1,061$1,234+16.3%
Average annual cost$1,274$1,402+10.0%
All policies in force (any building)513486−5.3%

How many homes have flood insurance?

1.0%of all homes in Comanche County have an NFIP policy
20.1%of homes in high-risk zones (special flood hazard area) have one
41,950residential buildings counted by FEMA
1,311of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Comanche County, Oklahoma have filed 837 flood claims. 678 received a payment, for a total of $23.4 million (an average of $34,537 per paid claim). The year with the most claims was 2016 (136 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 36 claims, 29 paid, $180,209 in total19801981: 26 claims, 19 paid, $41,572 in total1982: 38 claims, 34 paid, $158,724 in total1983: 32 claims, 23 paid, $377,848 in total1985: 21 claims, 18 paid, $50,520 in total1987: 42 claims, 37 paid, $385,473 in total1989: 26 claims, 22 paid, $114,586 in total19901992: 31 claims, 23 paid, $162,067 in total1995: 11 claims1996: 21 claims, 17 paid, $351,593 in total2000: 11 claims20002007: 91 claims, 68 paid, $2,003,907 in total20072009: 12 claims20102013: 32 claims, 28 paid, $754,274 in total2015: 130 claims, 114 paid, $8,137,942 in total20152016: 136 claims, 123 paid, $6,891,150 in total201620202021: 17 claims, 15 paid, $1,058,742 in total2025: 36 claims, 30 paid, $1,744,296 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253630$1,744,296$58,143
20211715$1,058,742$70,583
2016136123$6,891,150$56,026
2015130114$8,137,942$71,385
20133228$754,274$26,938
200912<10––
20079168$2,003,907$29,469
200011<10––
19962117$351,593$20,682
199511<10––
19923123$162,067$7,046
19892622$114,586$5,208
19874237$385,473$10,418
19852118$50,520$2,807
19833223$377,848$16,428
19823834$158,724$4,668
19812619$41,572$2,188
19783629$180,209$6,214

From 2016 to 2026: 189 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.

Main NFIP communities in the county

Lawton (296 home policies) · Unincorporated Comanche County (103 home policies) · Cache (26 home policies)