Flood insurance cost · Rogers County, OK

Flood insurance cost in Rogers County, Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 252 home policies in force on August 31, 2026.

Rogers County, OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,187a year

Half of insured homes paid between $866 and $1,518. That is 11% more than the Oklahoma median ($1,070). The most common flood zone for insured homes here is zone A (41%).

$0$866 · $1,187 · $1,518$1,898

+9.3% vs Aug 31, 2025 (median $1,086)

252home policies in force

$1,327average cost (mean)

73%of insured homes in high-risk zones (A, V)

$215,000median 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 Rogers 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,277	$892–$1,758	$1,530	80 (32%)	+9.7%
Zone A High risk	$1,214	$931–$1,529	$1,342	103 (41%)	+0.1%
Zone X Moderate to low risk	$1,060	$774–$1,267	$1,068	69 (27%)	+13.9%

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 Rogers County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	234	$1,184	$1,332
Manufactured (mobile) home	18	$1,212	$1,261
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	23	$1,947	$2,568

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

275NFIP policies in force, any building

275insured units (condo association policies count every unit)

65%of home policies also cover contents

$81,000median contents coverage, when bought

One year on: Rogers 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, 2025	Aug 31, 2026	Change
Home policies in force	265	252	−4.9%
Median annual cost	$1,086	$1,187	+9.3%
Average annual cost	$1,224	$1,327	+8.4%
All policies in force (any building)	280	275	−1.8%

How many homes have flood insurance?

0.7%of all homes in Rogers County have an NFIP policy

14.0%of homes in high-risk zones (special flood hazard area) have one

35,327residential buildings counted by FEMA

1,307of 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 Rogers County, Oklahoma have filed 248 flood claims. 216 received a payment, for a total of $6,020,601 (an average of $27,873 per paid claim). The year with the most claims was 2019 (32 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	32	30	$1,676,345	$55,878
2015	17	17	$495,741	$29,161
2009	23	21	$798,002	$38,000
2008	27	24	$789,258	$32,886
2007	14	14	$490,152	$35,011
2001	10	<10	–	–
1999	12	<10	–	–
1998	13	12	$204,824	$17,069
1995	11	<10	–	–
1993	11	<10	–	–
1992	11	11	$129,093	$11,736
1985	12	<10	–	–

From 2016 to 2026: 32 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

Unincorporated Rogers County (178 home policies) · Claremore (22 home policies) · Catoosa (13 home policies) · Verdigris (13 home policies) · Owasso (10 home policies)