Homeowners insurance in Oklahoma: premium by ZIP code
Oklahoma's median ZIP code paid $2,525 per policy in 2022, the third highest state median; even its cheapest ZIP code paid $1,763.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Oklahoma (median ZIP code)
$2,525
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $3,363.
| Change from 2018 to 2022, after inflation | +4.2% |
| Premium per policy in 2018 | $2,424 |
| Premium per policy in 2022 | $2,525 |
| 2022 premium carried to September 2026 (BLS index) | $3,363 |
| Policies not renewed by the insurer, 2022 | 0.66% |
| Claims paid per 100 policies, yearly average | 5.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $18,969 |
| Cancelled for nonpayment, 2022 | 1.66% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 423 ZIP codes in 77 counties of Oklahoma in the Treasury file · not a quote
Oklahoma ranks third for homeowners premiums in the Treasury file: the median ZIP code paid $2,525 per policy in 2022, about 63% above the national $1,551, after a rise of +4.0% after inflation. Even the cheapest tenth of ZIP codes paid over $2,088. Hail and tornadoes explain it. Claims ran at 5.9 per 100 policies a year, and they were large for a hail state, $18,969 on average, ranked 6 of 51, since tornadoes destroy houses outright. Oklahoma County paid $3,158, much more than Tulsa County at $2,247; Cleveland County, Norman and Moore, $3,210. Nonrenewals were moderate, 0.66% in 2022, ranked 38 of 51. Oklahoma has no FAIR plan for homes. The data stop in 2022, before later rate increases.
Oklahoma City against Tulsa
Oklahoma County had 49 ZIP codes in the file and a median of $3,158 in 2022, a little lower after inflation than in 2018. Cleveland County, to the south, paid $3,210. Central Oklahoma lies in the most tornado-prone part of the state, and Moore, in Cleveland County, was struck by violent tornadoes in 1999 and 2013. Tulsa County, with 31 ZIP codes, paid $2,247 after a rise of +5.5%, and its ZIP codes 74115 and 74128 were the cheapest in the state at $1,763 and $1,864. The dearest were 73116 and 73151 in Oklahoma County, at $5,623 and $5,407.
Hail and tornadoes
Paid claims went 4.6, 5.6, 6.3, 5.1, 5 per 100 policies from 2018 to 2022, with 2020 the busiest. The paid loss ratio peaked at 42% that year. Most Oklahoma policies carry a percentage wind and hail deductible, often 1 or 2 percent of the dwelling limit, which applies to every hail claim. Impact-resistant shingles earn a discount with many insurers in the state.
An Oklahoma hail claim with a 2 percent wind deductible
Example, not your result yet· change a figure to see yours
The insurer would pay
$8,400
| Full percentage deductible | $5,600 |
| Paid with the flat deductible instead | $13,000 |
| Extra you carry because of the percentage | $4,600 |
| 2% of this dwelling limit | $5,600 |
Eastern Oklahoma
Le Flore County, on the Arkansas line, paid $2,122 after a rise of +9.9%. Rural ZIP codes in the east and south pay less than the cities but more than most of the country. Many rural Oklahoma homes are manufactured homes, insured on other forms and outside these HO-3 and HO-5 figures.
Renewals and where to turn
The median nonrenewal rate went 0.66%, 0.28%, 0.22%, 0.52%, 0.66% from 2018 to 2022. Oklahoma has no residual market plan for homes listed in the Treasury report, so a declined home goes to surplus lines insurers. The Oklahoma Insurance Department handles complaints and runs a program that helps owners pay for roofs built to a fortified standard. With large average claims, the dwelling limit matters: the dwelling coverage calculator checks it against the cost to rebuild.
Oklahoma, year by year
| Year | Oklahoma median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $2,424 | $1,445 | 0.66% | 4.6 | 29% |
| 2019 | $2,439 | $1,469 | 0.28% | 5.6 | 34% |
| 2020 | $2,462 | $1,491 | 0.22% | 6.3 | 42% |
| 2021 | $2,479 | $1,521 | 0.52% | 5.1 | 36% |
| 2022 | $2,525 | $1,551 | 0.66% | 5 | 33% |
The Oklahoma counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Oklahoma County | 49 | $3,238 | $3,158 | -4.0% | 0.70% | $15,685 |
| Tulsa County | 31 | $2,135 | $2,247 | +5.5% | 0.48% | $17,458 |
| Cleveland County | 11 | $3,250 | $3,210 | -2.1% | 0.57% | $20,178 |
| Le Flore County | 11 | $1,934 | $2,122 | +9.9% | 0.40% | $20,774 |
| Osage County | 11 | $2,208 | $2,241 | +4.7% | 0.54% | $21,992 |
| Caddo County | 10 | $2,654 | $2,668 | +3.0% | 0.76% | $17,849 |
| Comanche County | 10 | $2,706 | $2,920 | +8.1% | 0.76% | $17,797 |
| Bryan County | 9 | $2,102 | $2,422 | +9.3% | 0.83% | $18,276 |
Highest and lowest premiums per policy, Oklahoma ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 73116 | Oklahoma County | $5,623 | -4.7% | 0.29% |
| 73151 | Oklahoma County | $5,407 | +0.0% | 1.30% |
| 73131 | Oklahoma County | $5,299 | +3.2% | 0.40% |
| 73134 | Oklahoma County | $4,615 | -2.2% | 0.76% |
| 73007 | Oklahoma County | $4,568 | -14.9% | 0.24% |
| 74115 | Tulsa County | $1,763 | +3.7% | 1.10% |
| 74128 | Tulsa County | $1,864 | +3.8% | 0.78% |
| 74743 | Choctaw County | $1,894 | +7.9% | 0.90% |
| 74110 | Tulsa County | $1,903 | +7.2% | 0.91% |
| 74960 | Adair County | $1,921 | +3.9% | 0.67% |