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Flood insurance cost · Oklahoma County, OK

Flood insurance cost in Oklahoma County, Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,150 home policies in force on August 31, 2026.

Oklahoma County, OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,031a year

Half of insured homes paid between $713 and $1,269. That is 4% less than the Oklahoma median ($1,070). The most common flood zone for insured homes here is zone X (48%).

$0$713 · $1,031 · $1,269$1,586
+10.9% vs Aug 31, 2025 (median $930)
1,150home policies in force
$1,139average cost (mean)
52%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.

Disaster declarations: 4 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Oklahoma County.

Cost by flood zone in Oklahoma 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		$1,200$858–$1,682$1,405532 (46%)+8.1%
Zone A
High risk		$841$738–$1,087$1,03464 (6%)−2.0%
Zone X
Moderate to low risk		$860$596–$1,173$895554 (48%)+5.7%

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 Oklahoma County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,085$1,020$1,126
2–4 unit building50$1,480$1,557
Condo or apartment unit10$502$523
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.		95$1,718$2,917
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		231$2,170$2,939

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,476NFIP policies in force, any building
1,492insured units (condo association policies count every unit)
67%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Oklahoma 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 force1,2321,150−6.7%
Median annual cost$930$1,031+10.9%
Average annual cost$1,049$1,139+8.6%
All policies in force (any building)1,5441,476−4.4%

How many homes have flood insurance?

0.5%of all homes in Oklahoma County have an NFIP policy
18.5%of homes in high-risk zones (special flood hazard area) have one
260,669residential buildings counted by FEMA
3,484of 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 Oklahoma County, Oklahoma have filed 1,717 flood claims. 1,192 received a payment, for a total of $24.7 million (an average of $20,761 per paid claim). The year with the most claims was 1993 (190 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 31 claims, 18 paid, $38,575 in total1979: 95 claims, 62 paid, $288,158 in total1980: 39 claims, 31 paid, $49,167 in total19801981: 53 claims, 38 paid, $259,062 in total1982: 45 claims, 27 paid, $141,694 in total1983: 57 claims, 33 paid, $207,106 in total1984: 15 claims, 11 paid, $22,368 in total1985: 20 claims1986: 76 claims, 56 paid, $393,448 in total1987: 38 claims, 25 paid, $359,687 in total1989: 118 claims, 85 paid, $802,431 in total1990: 47 claims, 36 paid, $371,058 in total19901993: 190 claims, 149 paid, $2,398,361 in total19931995: 76 claims, 62 paid, $886,803 in total1998: 11 claims1999: 11 claims2000: 22 claims, 12 paid, $203,975 in total20002004: 35 claims, 28 paid, $433,621 in total2007: 64 claims, 39 paid, $1,152,756 in total2009: 11 claims2010: 169 claims, 104 paid, $4,422,969 in total201020102011: 11 claims2013: 186 claims, 138 paid, $5,345,683 in total20132014: 16 claims, 12 paid, $543,873 in total2015: 132 claims, 108 paid, $3,307,701 in total2018: 23 claims, 22 paid, $627,207 in total2019: 20 claims, 12 paid, $233,557 in total2020: 14 claims, 12 paid, $703,129 in total20202021: 14 claims, 11 paid, $357,498 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211411$357,498$32,500
20201412$703,129$58,594
20192012$233,557$19,463
20182322$627,207$28,509
2015132108$3,307,701$30,627
20141612$543,873$45,323
2013186138$5,345,683$38,737
201111<10––
2010169104$4,422,969$42,529
200911<10––
20076439$1,152,756$29,558
20043528$433,621$15,486
20002212$203,975$16,998
199911<10––
199811<10––
19957662$886,803$14,303
1993190149$2,398,361$16,096
19904736$371,058$10,307
198911885$802,431$9,440
19873825$359,687$14,387
19867656$393,448$7,026
198520<10––
19841511$22,368$2,033
19835733$207,106$6,276
19824527$141,694$5,248
19815338$259,062$6,817
19803931$49,167$1,586
19799562$288,158$4,648
19783118$38,575$2,143

From 2016 to 2026: 71 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

Oklahoma City (609 home policies) · Edmond (148 home policies) · Del City (146 home policies) · Midwest City (116 home policies) · Choctaw (28 home policies) · Unincorporated Oklahoma County (20 home policies)