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Flood insurance cost · Tulsa County, OK

Flood insurance cost in Tulsa County, Oklahoma

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,499 home policies in force on August 31, 2026.

Tulsa County, OklahomaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,066a year

Half of insured homes paid between $744 and $1,267. That is about the same as the Oklahoma median ($1,070). Most insured homes here are rated in zone X (52%).

$0$744 · $1,066 · $1,267$1,584
+14.4% vs Aug 31, 2025 (median $932)
1,499home policies in force
$1,090average cost (mean)
48%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 Tulsa 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		$1,106$843–$1,484$1,233696 (46%)+9.1%
Zone A
High risk		$951$834–$1,286$1,06611 (1%)−5.0%
Zone X
Moderate to low risk		$1,027$650–$1,259$966785 (52%)+10.7%

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 Tulsa County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,420$1,062$1,097
2–4 unit building45$1,199$1,194
Condo or apartment unit28$458$534
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.		48$1,639$1,783
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		238$1,869$2,430

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

1,785NFIP policies in force, any building
1,785insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Tulsa 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 force1,6351,499−8.3%
Median annual cost$932$1,066+14.4%
Average annual cost$1,013$1,090+7.6%
All policies in force (any building)1,9541,785−8.6%

How many homes have flood insurance?

0.7%of all homes in Tulsa County have an NFIP policy
21.9%of homes in high-risk zones (special flood hazard area) have one
221,015residential buildings counted by FEMA
3,419of 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 Tulsa County, Oklahoma have filed 3,859 flood claims. 3,308 received a payment, for a total of $72.2 million (an average of $21,817 per paid claim). The year with the most claims was 1984 (1,566 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 13 claims1979: 241 claims, 199 paid, $844,549 in total19791980: 106 claims, 86 paid, $231,150 in total19801981: 30 claims, 20 paid, $142,572 in total1982: 38 claims, 28 paid, $109,553 in total1983: 18 claims1984: 1,566 claims, 1,460 paid, $31,893,194 in total19841985: 79 claims, 51 paid, $409,342 in total1986: 503 claims, 430 paid, $7,260,259 in total19861987: 12 claims1988: 26 claims, 14 paid, $37,249 in total1989: 14 claims, 11 paid, $36,256 in total1990: 35 claims, 27 paid, $153,169 in total19901993: 56 claims, 47 paid, $537,061 in total1994: 84 claims, 66 paid, $631,481 in total1995: 142 claims, 117 paid, $1,061,610 in total1996: 11 claims1997: 31 claims, 24 paid, $124,790 in total1998: 43 claims, 40 paid, $360,494 in total1999: 55 claims, 47 paid, $478,973 in total2000: 218 claims, 190 paid, $3,858,147 in total20002002: 41 claims, 26 paid, $373,337 in total2003: 20 claims, 18 paid, $80,075 in total2004: 24 claims, 18 paid, $221,636 in total2007: 29 claims, 22 paid, $275,392 in total2008: 48 claims, 41 paid, $604,754 in total2009: 14 claims, 10 paid, $436,707 in total2010: 13 claims20102011: 14 claims2015: 43 claims, 30 paid, $1,115,292 in total2019: 208 claims, 187 paid, $18,418,684 in total20202022: 20 claims, 19 paid, $953,746 in total2026: 10 claims
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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202610<10––
20222019$953,746$50,197
2019208187$18,418,684$98,496
20154330$1,115,292$37,176
201114<10––
201013<10––
20091410$436,707$43,671
20084841$604,754$14,750
20072922$275,392$12,518
20042418$221,636$12,313
20032018$80,075$4,449
20024126$373,337$14,359
2000218190$3,858,147$20,306
19995547$478,973$10,191
19984340$360,494$9,012
19973124$124,790$5,200
199611<10––
1995142117$1,061,610$9,074
19948466$631,481$9,568
19935647$537,061$11,427
19903527$153,169$5,673
19891411$36,256$3,296
19882614$37,249$2,661
198712<10––
1986503430$7,260,259$16,884
19857951$409,342$8,026
19841,5661,460$31,893,194$21,845
198318<10––
19823828$109,553$3,913
19813020$142,572$7,129
198010686$231,150$2,688
1979241199$844,549$4,244
197813<10––

From 2016 to 2026: 238 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

Tulsa (835 home policies) · Unincorporated Tulsa County (210 home policies) · Bixby (176 home policies) · Broken Arrow (107 home policies) · Sand Springs (73 home policies) · Jenks (33 home policies)