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Flood insurance cost · Ottawa County, OK

Flood insurance cost in Ottawa County, Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 186 home policies in force on August 31, 2026.

Ottawa County, OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,192a year

Half of insured homes paid between $833 and $1,807. That is 11% more than the Oklahoma median ($1,070). Most insured homes here are rated in zone AE (87%).

$0$833 · $1,192 · $1,807$2,259
+13.5% vs Aug 31, 2025 (median $1,050)
186home policies in force
$1,480average cost (mean)
95%of insured homes in high-risk zones (A, V)
$98,500median 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 Ottawa 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		$1,198$769–$1,889$1,487161 (87%)+5.6%
Zone A
High risk		$1,292$1,000–$1,836$1,62816 (9%)+36.6%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, X, 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 Ottawa County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home157$1,252$1,579
2–4 unit building25$745$871
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		37$2,168$2,840

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

224NFIP policies in force, any building
224insured units (condo association policies count every unit)
43%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Ottawa 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 force207186−10.1%
Median annual cost$1,050$1,192+13.5%
Average annual cost$1,411$1,480+4.9%
All policies in force (any building)247224−9.3%

How many homes have flood insurance?

1.5%of all homes in Ottawa County have an NFIP policy
13.2%of homes in high-risk zones (special flood hazard area) have one
13,019residential buildings counted by FEMA
1,361of 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 Ottawa County, Oklahoma have filed 1,159 flood claims. 1,043 received a payment, for a total of $30.5 million (an average of $29,216 per paid claim). The year with the most claims was 2007 (286 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 42 claims, 32 paid, $441,653 in total1986: 99 claims, 90 paid, $1,659,765 in total1987: 35 claims, 29 paid, $547,906 in total19901993: 139 claims, 123 paid, $2,431,895 in total19931994: 187 claims, 175 paid, $3,059,964 in total19941995: 93 claims, 76 paid, $968,250 in total1998: 46 claims, 39 paid, $959,482 in total1999: 72 claims, 65 paid, $964,175 in total2000: 17 claims, 15 paid, $340,036 in total20002007: 286 claims, 275 paid, $13,307,284 in total20072008: 12 claims, 10 paid, $240,531 in total20102011: 18 claims, 15 paid, $478,011 in total2015: 10 claims, 10 paid, $443,763 in total2019: 61 claims, 56 paid, $3,327,142 in total2020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20196156$3,327,142$59,413
20151010$443,763$44,376
20111815$478,011$31,867
20081210$240,531$24,053
2007286275$13,307,284$48,390
20001715$340,036$22,669
19997265$964,175$14,833
19984639$959,482$24,602
19959376$968,250$12,740
1994187175$3,059,964$17,486
1993139123$2,431,895$19,772
19873529$547,906$18,893
19869990$1,659,765$18,442
19854232$441,653$13,802

From 2016 to 2026: 61 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

Miami (139 home policies) · Unincorporated Ottawa County (44 home policies)