Oklahoma
flood insurance data

NFIP premiums in Oklahoma

NFIP premiums: what NFIP policyholders paid, not a quote. Across 7,447 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,041, and half of them fall between $738 (Q1) and $1,311 (Q3).

Inside the Special Flood Hazard Area (SFHA), the median premium in Oklahoma is $1,106, 16.9% higher than outside it ($946); most of its zoned policies sit inside the SFHA (60.5%). With 7,447 residential NFIP policies effective 2025, Oklahoma has the 19th fewest of 53 States and territories. Of the 3 zones listed (AE, X, A), zone AE has the highest median premium ($1,122) and zone X the lowest ($946). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 7,447 policies.

NFIP paid building claims in Oklahoma

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 1,688 paid claims; median $27,208, half of them between $9,159 (Q1) and $65,906 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $34,594, a monetary adjustment, not today’s cost of repair.

Two years hold 68.8% of the paid claims (year of loss 2015-2024): 2015 with 621 and 2019 with 540. Named events weigh little on the paid claims in Oklahoma: the largest, Early summer storms, accounts for 18.5% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 48 flood, hurricane and severe-storm declarations (DR and EM) covering Oklahoma, 44 of them major disaster declarations.

Latest declarations

• DR-4950: SEVERE STORM AND STRAIGHT-LINE WINDS (Severe Storm, 2026-10-07)
• DR-4862: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2025-03-18)
• DR-4802: SEVERE STORMS (Severe Storm, 2024-07-23)
• DR-4791: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2024-06-14)
• DR-4721: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2023-07-19)

FEMA assistance to homeowners

Since 2002: 29,065 owner registrations inspected by FEMA in Oklahoma after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4222, SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING (declared 2015-05-26): 7,181 inspections
• DR-4117, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2013-05-20): 4,121 inspections
• DR-4438, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2019-06-01): 3,036 inspections
• DR-1712, SEVERE STORMS, FLOODING, AND TORNADOES (declared 2007-07-07): 3,029 inspections
• DR-1718, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2007-08-24): 1,735 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 528 NFIP communities in Oklahoma: 406 participate in the NFIP and 19 (3.6%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 1 (Tulsa, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Oklahoma dates from 1974-12-06 (Jet, Town of). 122 of these communities do not participate in the NFIP; 122 carry a sanction, 16 coded as a suspension and 3 as a withdrawal.

In Oklahoma, 6.1% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Oklahoma

How much is flood insurance in Oklahoma?

NFIP policyholders in Oklahoma paid a median of $1,041 for residential policies effective 2025 (7,447 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $738 and $1,311; $1,106 inside the Special Flood Hazard Area against $946 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Oklahoma had?

1,688 NFIP building claims were paid (year of loss 2015-2024), with a median of $27,208; the year with the most was 2015 (621), and the named event with the most was Early summer storms (313). These are amounts paid, not repair cost.

Is Oklahoma in a flood zone?

Of the residential NFIP policies of Oklahoma (policies effective 2025), 4,504 are rated inside the Special Flood Hazard Area and 2,942 outside it (zones listed: AE, X, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).