Flood insurance in Oklahoma

Flood insurance policies, average premiums, flood zones and claims history for Oklahoma, county by county, from official FEMA records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
8,363
NFIP policies in force
Average yearly premium
$1,069
$201 below the US average
Claims paid since 1978
$260.7M
across 12,998 claims
Policies in high-risk zones
59%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Oklahoma, 2000–2026

The three costliest years. The worst was 2019, with $43.0 million paid on 614 claims.

Insured buildings by flood zone

Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE59%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C41%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 37% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Oklahoma

EventYearClaimsPaid
Flooding19841,585$32.5 million
Thunderstorms2007481$17.9 million
Early summer storms2015371$15.5 million
Flooding19861,010$14.3 million
Flooding1993497$6.1 million

Flood insurance by county

Counties in Oklahoma with detailed pages, by number of policies. 38 smaller counties are included in the state totals.

CountyPoliciesAvg premiumClaims since 1978Paid
Tulsa County1,808$9763,822$71.4 million
Oklahoma County1,520$1,1771,715$24.7 million
Cleveland County648$850400$7.3 million
Comanche County498$1,124835$23.4 million
Ottawa County230$1,3211,161$30.6 million

Common questions

How much does flood insurance cost in Oklahoma?

The average NFIP flood insurance policy in Oklahoma costs about $1,069 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Oklahoma?

There are about 8,363 National Flood Insurance Program policies in force in Oklahoma, according to FEMA's latest policy data. Private flood policies are not included.

How often does Oklahoma flood?

Since 1978, NFIP policyholders in Oklahoma have filed 12,998 flood claims, with $260.7 million paid out. 1,197 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.