Oklahoma Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 423 ZIP codes in Oklahoma (OK).

The verdict

According to U.S. Treasury FIO filings, Oklahoma ranks #2 of 51 by average premium ($2,622/yr) ≠ #37 of 50 by nonrenewal (0.86%). Cost rank is not withdrawal rank.

$2,622
State avg premium (#2 of 51): #37
Nonrenewal of 50 (0.86%): 73116
In-state premium ZIP #1 ($5,623): 73106
In-state nonrenewal ZIP #1 (1.19%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Oklahoma vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$2,622 Higher than most lower premium than 2% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Oklahoma pay an average of $2,622 per year for home insurance - 48% above the national average of $1,776. That ranks Oklahoma as the 2nd most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 2.6%.

On five-year premium growth (2018–2022), Oklahoma ranks 37th out of 51 states. Its nonrenewal rate (0.86%) ranks 37th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Oklahoma Compares

vs National Average

$2,622 vs $1,776

48% above national avg

Rank Among States

2nd of 51

most expensive for homeowners insurance

Loss Ratio vs National

46.4% vs 58.0%

insurers retain more margin here

Avg Premium

$2,622/yr

National avg: $1,776 (+48% above)

Premium Change

+2.6%

2018-2022 change

Avg Loss Ratio

46.4%

Claims paid vs premiums earned

Nonrenewal Rate

0.86%

-2.0% change

Data Snapshot: Oklahoma Homeowners Insurance

Across the 423 Oklahoma ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $2,622. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Oklahoma homeowner pays, gives $2,811 per year. That is 48% above the national average of $1,776 per year reported by the Federal Insurance Office. Oklahoma ranks 2nd most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,763 in 74115 to $5,623 in 73116.

Between 2018 and 2022, average premiums rose by 2.6% in Oklahoma, placing the state 37th nationally on five-year premium growth. The state-level loss ratio averaged 46.4%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.86% across the ZIP codes that report one (87% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 2.0% over the study period (ranking 37th out of 50 states).

Within Oklahoma, premium dispersion across ZIP codes is substantial: the most expensive ZIP (73116 in Oklahoma City) charges 219% more than the least expensive (74115 in Tulsa), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Oklahoma

Oklahoma statewide - FIO 2018-2022 average: 46% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

423

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,556	$2,424	46.8%	5.49%	0.88%
2019	$2,546 (-0.4%)	$2,439	51.8%	6.64%	0.53%
2020	$2,560 (+0.5%)	$2,462	69.4%	9.85%	0.47%
2021	$2,579 (+0.7%)	$2,479	50.3%	6.90%	0.77%
2022	$2,622 (+1.7%)	$2,525	46.4%	6.13%	0.86%

Average homeowners premium per year in Oklahoma.

Most Expensive ZIP Codes in Oklahoma

Most Affordable ZIP Codes in Oklahoma

All ZIP Codes in Oklahoma

423 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
73116	Oklahoma City	$5,623	22.1%	5.54%	0.29%
73151	Oklahoma City	$5,407	11.0%	2.61%	1.30%
73131	Oklahoma City	$5,299	31.1%	6.45%	0.40%
73134	Oklahoma City	$4,615	49.3%	12.50%	0.76%
73007	Arcadia	$4,568	42.3%	8.73%	0.24%
73103	Oklahoma City	$4,502	55.9%	7.71%	0.51%
73025	Edmond	$4,394	90.8%	13.08%	0.53%
73142	Oklahoma City	$4,361	39.3%	6.56%	0.38%
73121	Oklahoma City	$3,953	63.9%	8.20%	0.88%
73120	Oklahoma City	$3,895	40.3%	8.11%	1.01%
73049	Jones	$3,867	47.8%	4.24%	0.79%
73034	Edmond	$3,861	46.3%	6.94%	0.46%
73104	Oklahoma City	$3,822	12.5%	6.38%	N/A
74137	Tulsa	$3,814	43.3%	5.86%	0.32%
73566	Snyder	$3,810	53.7%	16.88%	N/A
73150	Oklahoma City	$3,708	49.1%	7.88%	0.73%
73013	Edmond	$3,643	34.9%	5.91%	0.51%
73165	Oklahoma City	$3,625	31.6%	5.05%	0.49%
73169	Oklahoma City	$3,589	52.0%	8.35%	0.91%
73162	Oklahoma City	$3,560	46.6%	10.13%	0.89%
73026	Norman	$3,527	60.2%	7.89%	0.49%
73526	Blair	$3,484	23.9%	11.21%	0.93%
73118	Oklahoma City	$3,471	21.6%	4.37%	1.02%
73173	Oklahoma City	$3,439	23.6%	4.21%	0.38%
73078	Piedmont	$3,434	35.3%	6.55%	0.40%
73054	Luther	$3,432	33.6%	4.10%	0.28%
73093	Washington	$3,428	50.0%	7.40%	0.14%
73072	Norman	$3,421	172.8%	27.54%	0.57%
73759	Medford	$3,408	61.5%	5.08%	N/A
73012	Edmond	$3,394	41.8%	7.41%	0.37%
73106	Oklahoma City	$3,357	22.7%	4.43%	1.19%
73949	Texhoma	$3,328	34.4%	9.00%	N/A
73016	Cashion	$3,323	22.2%	7.53%	1.08%
73170	Oklahoma City	$3,317	48.2%	8.98%	0.55%
73105	Oklahoma City	$3,306	40.8%	6.98%	0.15%
73089	Tuttle	$3,301	41.6%	7.43%	0.39%
73047	Hinton	$3,291	40.6%	9.88%	0.29%
73950	Turpin	$3,271	16.3%	4.31%	0.86%
74114	Tulsa	$3,268	48.1%	5.25%	0.59%
73020	Choctaw	$3,227	37.9%	6.31%	0.64%
73014	Calumet	$3,215	49.5%	6.67%	1.33%
74857	Newalla	$3,210	31.8%	5.23%	0.62%
73766	Pond Creek	$3,208	N/A	N/A	1.71%
73560	Olustee	$3,203	10.8%	6.00%	N/A
73141	Oklahoma City	$3,197	21.2%	6.94%	1.16%
73552	Indiahoma	$3,195	57.8%	9.49%	N/A
73003	Edmond	$3,179	45.2%	7.25%	0.45%
73132	Oklahoma City	$3,158	33.0%	8.05%	0.98%
74136	Tulsa	$3,156	35.9%	5.12%	0.62%
73521	Altus	$3,139	38.4%	9.54%	1.11%
73527	Cache	$3,121	38.8%	7.33%	0.85%
73044	Guthrie	$3,111	43.7%	7.93%	1.07%
73061	Morrison	$3,099	21.2%	5.07%	0.46%
73942	Guymon	$3,099	89.8%	27.47%	0.52%
73065	Newcastle	$3,091	61.4%	12.72%	0.63%
73128	Oklahoma City	$3,089	28.0%	5.29%	0.25%
73650	Hammon	$3,083	11.7%	10.81%	N/A
73010	Blanchard	$3,080	50.1%	8.82%	0.50%
74120	Tulsa	$3,076	42.8%	4.48%	0.48%
73111	Oklahoma City	$3,071	51.7%	9.57%	1.39%
74105	Tulsa	$3,068	38.0%	4.97%	0.47%
73064	Mustang	$3,067	39.1%	8.51%	0.63%
73628	Cheyenne	$3,063	50.3%	4.76%	N/A
73573	Waurika	$3,052	59.1%	11.11%	N/A
74349	Ketchum	$3,038	3.1%	1.03%	N/A
73533	Duncan	$3,033	26.2%	7.61%	0.53%
73651	Hobart	$3,026	49.4%	9.97%	1.11%
73762	Okarche	$3,024	10.0%	1.66%	0.48%
73096	Weatherford	$2,995	24.2%	5.55%	0.57%
73529	Comanche	$2,989	63.6%	7.37%	0.35%
73099	Yukon	$2,978	26.2%	5.36%	0.49%
73737	Fairview	$2,974	43.1%	4.81%	1.07%
73456	Ringling	$2,974	10.4%	1.96%	0.98%
73067	Ninnekah	$2,971	31.4%	3.75%	0.42%
73135	Oklahoma City	$2,966	73.2%	10.74%	0.62%
73079	Pocasset	$2,960	36.2%	9.72%	N/A
73547	Granite	$2,958	52.2%	14.75%	0.82%
73538	Elgin	$2,955	32.6%	7.82%	0.75%
73945	Hooker	$2,950	9.3%	3.94%	0.39%
73051	Lexington	$2,948	51.1%	9.39%	0.80%
74047	Mounds	$2,943	24.3%	4.11%	0.96%
73541	Fletcher	$2,931	17.6%	4.66%	0.40%
73852	Mooreland	$2,929	15.4%	3.35%	0.37%
73507	Lawton	$2,923	61.7%	8.42%	0.97%
73669	Thomas	$2,918	7.9%	1.92%	0.64%
73543	Geronimo	$2,918	28.3%	4.71%	3.14%
74331	Afton	$2,914	44.3%	4.62%	0.64%
73015	Carnegie	$2,911	69.0%	7.44%	N/A
73114	Oklahoma City	$2,910	27.7%	7.22%	0.88%
73045	Harrah	$2,910	36.2%	3.73%	0.67%
73130	Oklahoma City	$2,907	49.8%	9.69%	0.65%
74604	Ponca City	$2,904	30.9%	6.01%	0.46%
73080	Purcell	$2,899	53.7%	6.75%	0.84%
73664	Sentinel	$2,898	38.0%	6.12%	1.02%
73028	Crescent	$2,889	31.0%	5.97%	1.65%
73036	El Reno	$2,888	177.1%	24.57%	0.66%
73801	Woodward	$2,884	15.2%	3.83%	0.47%
73160	Oklahoma City	$2,879	33.0%	7.34%	0.40%
73505	Lawton	$2,875	55.8%	11.45%	0.78%
73601	Clinton	$2,874	42.6%	10.01%	0.93%
73763	Okeene	$2,868	47.9%	12.41%	0.69%
73027	Coyle	$2,867	N/A	N/A	0.73%
73750	Kingfisher	$2,866	15.6%	2.86%	0.33%
73112	Oklahoma City	$2,866	26.8%	5.15%	0.57%
73644	Elk City	$2,862	25.5%	5.17%	0.83%
73430	Burneyville	$2,861	38.0%	11.04%	1.30%
73735	Drummond	$2,860	51.6%	4.12%	N/A
73703	Enid	$2,858	21.0%	4.12%	0.57%
73626	Canute	$2,858	24.3%	2.88%	0.72%
73858	Shattuck	$2,856	30.1%	5.52%	N/A
73084	Spencer	$2,848	28.2%	6.60%	0.83%
73939	Goodwell	$2,848	21.6%	4.26%	1.06%
73772	Watonga	$2,845	28.8%	7.91%	1.10%
74074	Stillwater	$2,840	72.9%	10.31%	0.29%
73662	Sayre	$2,832	31.9%	5.19%	0.49%
74132	Tulsa	$2,825	46.1%	4.88%	0.55%
73004	Amber	$2,820	156.0%	32.73%	3.64%
73139	Oklahoma City	$2,815	47.7%	9.45%	0.66%
73501	Lawton	$2,814	51.9%	10.90%	0.97%
74131	Tulsa	$2,808	22.1%	4.15%	0.52%
73632	Cordell	$2,806	16.4%	4.21%	1.58%
73655	Lone Wolf	$2,803	25.3%	7.87%	N/A
73068	Noble	$2,801	115.1%	7.66%	0.66%
73117	Oklahoma City	$2,799	23.9%	8.73%	0.95%
73122	Oklahoma City	$2,795	19.2%	5.03%	1.03%
73071	Norman	$2,787	103.1%	22.48%	0.89%
73055	Marlow	$2,781	24.1%	5.23%	0.67%
73860	Waynoka	$2,777	20.2%	3.03%	3.79%
74119	Tulsa	$2,774	17.2%	4.40%	1.10%
73127	Oklahoma City	$2,774	26.5%	5.17%	0.71%
74851	Mcloud	$2,772	25.8%	3.90%	0.36%
73059	Minco	$2,769	125.1%	11.96%	0.82%
73008	Bethany	$2,769	35.8%	5.43%	0.40%
74731	Cartwright	$2,766	46.9%	5.22%	1.20%
73090	Union City	$2,763	51.3%	9.22%	0.71%
73932	Beaver	$2,761	21.5%	8.03%	N/A
73639	Custer City	$2,760	40.3%	7.14%	1.79%
73179	Oklahoma City	$2,755	19.1%	3.54%	0.36%
73728	Cherokee	$2,752	0.0%	0.71%	2.13%
74855	Meeker	$2,748	19.4%	4.34%	0.58%
73458	Springer	$2,743	31.3%	6.72%	N/A
73006	Apache	$2,742	30.3%	7.97%	0.40%
73645	Erick	$2,741	15.5%	2.63%	2.63%
73572	Walters	$2,740	23.1%	5.63%	0.80%
74133	Tulsa	$2,739	33.6%	5.12%	0.32%
74010	Bristow	$2,736	61.6%	5.06%	0.86%
73654	Leedey	$2,734	33.7%	4.00%	1.33%
73018	Chickasha	$2,727	108.2%	17.24%	0.96%
73717	Alva	$2,720	9.9%	2.67%	0.33%
73040	Geary	$2,705	31.6%	7.69%	2.31%
73107	Oklahoma City	$2,695	20.1%	4.15%	0.60%
74804	Shawnee	$2,694	26.8%	3.49%	0.37%
73110	Oklahoma City	$2,690	54.1%	10.73%	0.92%
74008	Bixby	$2,687	50.5%	6.00%	0.37%
73557	Medicine Park	$2,685	30.2%	5.36%	N/A
73951	Tyrone	$2,685	8.7%	4.65%	2.33%
74801	Shawnee	$2,681	34.6%	6.01%	0.43%
73017	Cement	$2,680	81.7%	5.41%	0.90%
73066	Nicoma Park	$2,674	81.1%	15.00%	2.50%
73009	Binger	$2,674	40.2%	10.34%	0.86%
74868	Seminole	$2,672	234.4%	30.32%	1.36%
74865	Roff	$2,671	107.4%	3.57%	N/A
73570	Tipton	$2,667	37.7%	10.34%	2.30%
73048	Hydro	$2,663	95.2%	10.55%	N/A
73620	Arapaho	$2,662	39.1%	8.87%	0.81%
74825	Allen	$2,661	23.4%	5.51%	0.79%
73159	Oklahoma City	$2,657	54.6%	8.67%	0.70%
73550	Hollis	$2,656	56.3%	18.56%	N/A
73641	Dill City	$2,652	45.0%	5.41%	N/A
73742	Hennessey	$2,648	45.6%	4.82%	1.13%
73069	Norman	$2,646	162.8%	34.65%	1.30%
74073	Sperry	$2,645	27.0%	5.02%	0.54%
74037	Jenks	$2,644	31.8%	5.21%	0.24%
74820	Ada	$2,641	23.3%	4.14%	0.57%
74875	Tryon	$2,639	6.4%	3.60%	N/A
73401	Ardmore	$2,639	42.4%	7.00%	0.78%
74728	Broken Bow	$2,626	66.6%	3.34%	1.09%
74881	Wellston	$2,619	20.2%	4.42%	0.58%
74884	Wewoka	$2,617	42.6%	5.88%	0.26%
73077	Perry	$2,615	20.6%	3.48%	0.61%
73005	Anadarko	$2,608	69.8%	11.70%	1.20%
73029	Cyril	$2,605	5.5%	3.27%	0.65%
73532	Duke	$2,601	20.6%	3.51%	1.75%
73082	Rush Springs	$2,599	45.4%	6.62%	N/A
74872	Stratford	$2,599	32.4%	5.28%	0.29%
73115	Oklahoma City	$2,598	50.4%	12.31%	0.76%
74079	Stroud	$2,588	35.7%	4.07%	0.98%
74058	Pawnee	$2,587	81.0%	4.40%	1.10%
74066	Sapulpa	$2,586	29.8%	4.34%	0.69%
74570	Stuart	$2,582	9.1%	0.88%	4.42%
73768	Ringwood	$2,581	9.7%	3.31%	0.83%
73624	Burns Flat	$2,577	5.5%	3.92%	N/A
73738	Garber	$2,564	24.4%	5.56%	1.85%
74055	Owasso	$2,563	33.8%	3.57%	0.39%
73755	Longdale	$2,561	293.1%	5.13%	2.56%
74864	Prague	$2,558	74.9%	4.97%	1.32%
74038	Jennings	$2,557	34.7%	6.06%	3.03%
74849	Konawa	$2,555	53.1%	5.24%	1.05%
74039	Kellyville	$2,553	23.7%	4.82%	0.42%
73554	Mangum	$2,550	72.9%	5.09%	1.09%
74859	Okemah	$2,548	90.3%	12.33%	0.70%
74525	Atoka	$2,547	25.8%	6.81%	1.31%
73459	Thackerville	$2,546	15.8%	2.59%	0.86%
73568	Temple	$2,543	27.3%	4.41%	N/A
74350	Langley	$2,538	47.0%	4.59%	N/A
74831	Byars	$2,538	29.1%	4.48%	N/A
74834	Chandler	$2,533	29.2%	5.02%	1.04%
74824	Agra	$2,531	24.3%	4.23%	0.70%
73859	Vici	$2,528	16.4%	6.06%	N/A
74044	Mannford	$2,527	23.4%	3.39%	0.41%
74871	Stonewall	$2,526	33.7%	5.86%	0.42%
74081	Terlton	$2,525	132.8%	2.76%	0.55%
74011	Broken Arrow	$2,525	58.7%	6.70%	0.43%
73460	Tishomingo	$2,524	64.7%	3.98%	1.24%
74344	Grove	$2,523	66.3%	5.66%	0.52%
73443	Lone Grove	$2,522	19.2%	5.74%	0.61%
74075	Stillwater	$2,522	100.8%	15.08%	0.39%
74020	Cleveland	$2,518	38.0%	4.08%	0.89%
74848	Holdenville	$2,515	26.7%	6.13%	1.40%
74421	Beggs	$2,515	40.5%	7.07%	0.30%
73098	Wynnewood	$2,513	31.3%	3.50%	0.93%
73095	Wayne	$2,508	36.0%	4.15%	0.83%
74840	Earlsboro	$2,503	85.9%	6.73%	N/A
73074	Paoli	$2,500	51.1%	9.56%	N/A
73663	Seiling	$2,500	65.7%	6.35%	N/A
74015	Catoosa	$2,500	18.8%	3.40%	0.53%
73463	Wilson	$2,493	91.7%	7.19%	0.94%
74880	Weleetka	$2,493	119.5%	4.51%	0.75%
74041	Kiefer	$2,492	29.1%	4.41%	0.77%
74030	Drumright	$2,492	4.0%	3.26%	1.25%
74701	Durant	$2,490	47.0%	6.51%	0.83%
74023	Cushing	$2,488	61.4%	8.15%	0.56%
73109	Oklahoma City	$2,488	42.5%	9.82%	0.97%
73834	Buffalo	$2,487	81.6%	11.26%	0.66%
74873	Tecumseh	$2,486	53.3%	5.43%	0.40%
74346	Jay	$2,483	79.4%	5.66%	0.83%
73052	Lindsay	$2,482	20.5%	3.54%	1.14%
73433	Elmore City	$2,477	16.0%	3.90%	0.43%
73030	Davis	$2,467	19.1%	2.80%	0.70%
74070	Skiatook	$2,466	44.6%	3.94%	0.53%
73086	Sulphur	$2,455	28.3%	3.99%	0.44%
73449	Mead	$2,454	18.9%	3.66%	0.92%
74028	Depew	$2,453	55.5%	1.52%	0.51%
74538	Coalgate	$2,453	27.6%	7.42%	1.06%
73491	Velma	$2,449	20.3%	9.30%	1.16%
73734	Dover	$2,448	7.5%	2.90%	N/A
74340	Disney	$2,446	4.2%	3.96%	1.98%
73730	Covington	$2,444	9.1%	2.94%	1.47%
74883	Wetumka	$2,443	82.9%	10.85%	0.78%
74832	Carney	$2,440	24.8%	3.42%	0.85%
74059	Perkins	$2,436	39.4%	6.43%	0.51%
73773	Waukomis	$2,436	11.5%	1.67%	0.67%
74053	Oologah	$2,434	51.9%	3.11%	N/A
74878	Wanette	$2,434	13.2%	4.00%	1.33%
74647	Newkirk	$2,431	121.3%	4.34%	0.72%
73092	Verden	$2,428	136.3%	22.67%	N/A
74723	Bennington	$2,427	219.1%	4.96%	0.83%
74729	Caddo	$2,422	13.3%	3.01%	0.38%
74342	Eucha	$2,421	15.4%	3.34%	0.76%
74563	Red Oak	$2,416	84.1%	2.94%	N/A
73038	Fort Cobb	$2,406	88.2%	9.01%	2.15%
73075	Pauls Valley	$2,404	52.0%	6.55%	0.54%
74852	Macomb	$2,403	1.6%	2.56%	1.28%
73542	Frederick	$2,397	33.8%	10.08%	1.09%
74085	Yale	$2,397	23.4%	3.86%	0.39%
74826	Asher	$2,396	50.6%	6.03%	0.86%
74653	Tonkawa	$2,396	6.4%	2.22%	N/A
74083	Wann	$2,396	11.0%	2.50%	1.25%
74434	Fort Gibson	$2,395	17.3%	3.36%	0.45%
74080	Talala	$2,393	32.1%	1.97%	0.20%
73438	Healdton	$2,388	21.1%	4.04%	2.36%
73119	Oklahoma City	$2,387	38.2%	6.74%	0.54%
74428	Council Hill	$2,385	30.2%	4.44%	2.22%
74036	Inola	$2,385	18.3%	3.66%	0.57%
73567	Sterling	$2,379	38.4%	5.49%	N/A
74741	Hendrix	$2,378	7.6%	1.67%	N/A
73446	Madill	$2,376	111.1%	8.33%	0.95%
74026	Davenport	$2,374	15.3%	5.45%	0.91%
74014	Broken Arrow	$2,373	72.4%	9.46%	0.48%
74462	Stigler	$2,372	23.7%	3.90%	0.80%
73701	Enid	$2,367	15.1%	3.50%	1.32%
74429	Coweta	$2,365	41.8%	4.45%	0.56%
74745	Idabel	$2,365	491.5%	20.15%	0.64%
73754	Lahoma	$2,361	26.6%	4.50%	0.50%
74454	Porter	$2,354	49.9%	4.12%	0.65%
73933	Boise City	$2,347	11.0%	2.10%	0.70%
74062	Ripley	$2,345	27.6%	3.77%	0.94%
73129	Oklahoma City	$2,343	60.0%	8.25%	0.72%
74016	Chelsea	$2,341	13.5%	3.26%	0.59%
73057	Maysville	$2,340	26.2%	4.88%	1.63%
74019	Claremore	$2,335	40.2%	3.28%	0.41%
74135	Tulsa	$2,333	21.3%	3.63%	0.28%
74432	Eufaula	$2,330	51.6%	4.23%	0.69%
73149	Oklahoma City	$2,330	37.3%	8.16%	0.41%
74436	Haskell	$2,330	62.0%	5.26%	0.31%
74127	Tulsa	$2,325	40.4%	4.21%	0.84%
74032	Glencoe	$2,323	14.9%	3.17%	1.41%
74370	Wyandotte	$2,322	17.9%	3.75%	1.73%
73848	Laverne	$2,318	11.8%	4.40%	1.26%
74401	Muskogee	$2,316	64.9%	6.30%	0.81%
74017	Claremore	$2,315	24.5%	3.87%	0.41%
74063	Sand Springs	$2,315	31.0%	3.57%	0.57%
74756	Sawyer	$2,315	9.5%	1.11%	1.11%
74631	Blackwell	$2,302	152.4%	29.05%	0.95%
74447	Okmulgee	$2,301	21.4%	4.61%	0.97%
74501	Mcalester	$2,300	27.1%	3.77%	1.12%
74854	Maud	$2,296	103.2%	3.27%	0.65%
74301	Vinita	$2,294	21.3%	2.89%	0.86%
74962	Vian	$2,284	69.9%	2.75%	0.39%
74330	Adair	$2,284	60.0%	3.99%	0.85%
73439	Kingston	$2,282	151.1%	7.66%	0.72%
74578	Wilburton	$2,282	32.2%	4.11%	0.65%
74061	Ramona	$2,278	35.7%	3.06%	N/A
74427	Cookson	$2,272	25.1%	2.72%	0.64%
73108	Oklahoma City	$2,271	46.2%	5.57%	1.19%
74940	Howe	$2,267	84.2%	12.06%	1.06%
74332	Big Cabin	$2,263	29.0%	3.37%	0.56%
74012	Broken Arrow	$2,263	37.0%	5.37%	0.35%
73448	Marietta	$2,261	28.8%	3.99%	0.31%
74450	Oktaha	$2,257	7.5%	2.70%	0.68%
74056	Pawhuska	$2,248	19.7%	4.23%	0.71%
74021	Collinsville	$2,247	25.6%	3.38%	0.47%
73042	Gracemont	$2,246	125.8%	10.96%	1.37%
74733	Colbert	$2,242	50.5%	6.42%	N/A
74035	Hominy	$2,241	204.4%	3.02%	0.38%
74006	Bartlesville	$2,240	17.7%	2.59%	0.35%
74445	Morris	$2,233	11.9%	2.11%	1.32%
74361	Pryor	$2,231	24.1%	3.22%	0.70%
74730	Calera	$2,230	81.5%	6.27%	0.70%
74531	Calvin	$2,229	87.8%	11.90%	N/A
74364	Rose	$2,229	19.5%	3.31%	N/A
74726	Bokchito	$2,227	32.6%	1.63%	1.63%
74426	Checotah	$2,227	22.4%	3.74%	0.55%
74637	Fairfax	$2,227	50.2%	2.15%	1.08%
74955	Sallisaw	$2,223	25.7%	3.75%	0.56%
74347	Kansas	$2,218	31.2%	2.91%	0.97%
74403	Muskogee	$2,213	48.1%	8.55%	0.86%
74601	Ponca City	$2,205	23.3%	5.14%	0.59%
74442	Indianola	$2,204	34.2%	6.10%	N/A
74930	Bokoshe	$2,200	35.3%	6.32%	1.15%
73724	Canton	$2,197	9.3%	1.83%	1.83%
74354	Miami	$2,196	35.2%	4.36%	0.85%
74533	Caney	$2,194	1.7%	N/A	1.37%
74423	Braggs	$2,193	325.2%	2.41%	1.20%
74441	Hulbert	$2,191	18.9%	4.09%	0.34%
74104	Tulsa	$2,185	15.9%	2.86%	0.57%
74957	Smithville	$2,183	33.1%	1.71%	1.71%
73447	Mannsville	$2,177	61.3%	5.06%	N/A
74948	Muldrow	$2,175	37.1%	3.79%	1.18%
74002	Barnsdall	$2,175	9.0%	6.02%	0.93%
74953	Poteau	$2,172	35.5%	5.04%	0.22%
74145	Tulsa	$2,170	29.9%	4.80%	0.39%
74936	Gans	$2,169	26.4%	4.30%	N/A
74343	Fairland	$2,165	27.3%	5.28%	0.29%
74337	Chouteau	$2,162	29.1%	2.70%	0.63%
74740	Haworth	$2,161	1.5%	1.57%	N/A
74352	Locust Grove	$2,159	32.6%	4.76%	0.88%
74437	Henryetta	$2,157	34.8%	4.52%	1.46%
74547	Hartshorne	$2,156	9.8%	2.62%	0.52%
74467	Wagoner	$2,153	33.5%	3.17%	0.46%
74471	Welling	$2,152	44.3%	6.06%	0.61%
74764	Valliant	$2,148	20.1%	2.20%	0.94%
74134	Tulsa	$2,145	27.9%	4.06%	0.33%
74959	Spiro	$2,138	57.3%	6.75%	0.47%
74106	Tulsa	$2,138	45.5%	4.97%	1.18%
74553	Kiowa	$2,136	5.1%	1.42%	0.71%
74369	Welch	$2,131	12.9%	1.89%	1.89%
74365	Salina	$2,128	19.5%	3.40%	0.91%
74966	Wister	$2,122	217.2%	14.25%	0.22%
74469	Warner	$2,118	42.1%	1.90%	0.95%
74954	Roland	$2,107	53.8%	7.06%	0.86%
74451	Park Hill	$2,106	28.8%	4.28%	1.27%
74051	Ochelata	$2,106	16.5%	2.60%	0.97%
74033	Glenpool	$2,103	59.3%	5.42%	0.26%
74366	Spavinaw	$2,100	21.0%	3.85%	N/A
74363	Quapaw	$2,100	48.5%	3.86%	0.39%
74003	Bartlesville	$2,099	26.6%	2.85%	0.31%
74107	Tulsa	$2,099	17.4%	3.19%	0.71%
74860	Paden	$2,095	21.5%	2.68%	0.89%
74022	Copan	$2,094	16.4%	2.83%	N/A
74464	Tahlequah	$2,087	52.4%	5.02%	0.47%
74941	Keota	$2,086	91.7%	5.51%	0.79%
74116	Tulsa	$2,085	6.2%	3.57%	0.30%
74571	Talihina	$2,085	14.8%	0.46%	1.83%
74735	Fort Towson	$2,085	171.2%	4.14%	1.18%
74425	Canadian	$2,082	21.6%	4.27%	0.85%
74552	Kinta	$2,082	25.3%	7.58%	N/A
74048	Nowata	$2,076	9.4%	3.09%	0.46%
74072	S Coffeyville	$2,066	163.3%	5.30%	1.32%
74901	Arkoma	$2,047	255.8%	23.37%	1.63%
74932	Cameron	$2,046	182.4%	9.92%	N/A
74470	Webbers Falls	$2,045	169.6%	2.78%	0.93%
74126	Tulsa	$2,042	44.6%	4.51%	2.19%
74455	Porum	$2,041	13.2%	2.27%	0.70%
74641	Kaw City	$2,025	28.5%	4.19%	1.20%
74339	Commerce	$2,024	40.9%	3.57%	N/A
74546	Haileyville	$2,023	3.7%	1.47%	N/A
74338	Colcord	$2,017	16.7%	1.83%	0.30%
74902	Pocola	$2,016	194.9%	21.29%	0.40%
74937	Heavener	$2,013	27.8%	5.46%	0.29%
74130	Tulsa	$2,012	15.4%	2.49%	1.49%
74574	Tuskahoma	$2,007	18.5%	5.19%	N/A
74029	Dewey	$2,006	34.7%	3.10%	0.34%
74561	Quinton	$2,003	21.9%	2.99%	N/A
74060	Prue	$1,994	N/A	N/A	N/A
74435	Gore	$1,987	16.7%	2.63%	0.19%
74129	Tulsa	$1,984	28.1%	4.82%	0.40%
74727	Boswell	$1,971	16.3%	1.64%	2.46%
74965	Westville	$1,969	94.4%	6.53%	1.04%
74523	Antlers	$1,963	15.9%	2.62%	1.10%
74108	Tulsa	$1,961	63.0%	3.49%	0.63%
74964	Watts	$1,955	8.5%	2.78%	1.67%
74112	Tulsa	$1,951	32.5%	3.14%	0.80%
74146	Tulsa	$1,945	33.3%	3.96%	0.78%
74956	Shady Point	$1,945	17.4%	3.69%	N/A
74536	Clayton	$1,930	275.7%	1.67%	0.83%
74430	Crowder	$1,928	39.4%	8.54%	1.22%
74554	Krebs	$1,924	128.1%	3.45%	0.49%
74960	Stilwell	$1,921	36.0%	4.03%	0.67%
74110	Tulsa	$1,903	17.6%	3.76%	0.91%
74743	Hugo	$1,894	60.2%	3.27%	0.90%
74128	Tulsa	$1,864	19.5%	4.13%	0.78%
74115	Tulsa	$1,763	28.9%	2.94%	1.10%

Oklahoma Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Oklahoma compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Oklahoma

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Oklahoma ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

71.4

24th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Oklahoma FIO ZIPs

Most common top hazard

Tornado

37 of 77 counties

Highest FEMA NRI counties in Oklahoma
County	Risk score	Rating	Top hazard
Oklahoma	97.9	Relatively High	Tornado
Tulsa	97.9	Relatively High	Heat Wave
Cleveland	91.3	Relatively Moderate	Cold Wave

Counties with elevated FEMA hazard ratings in Oklahoma
Hazard	Elevated counties	Share of joined
Tornado	17	22%
Hail	12	16%
Winter weather	11	14%
Flooding	2	3%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Oklahoma: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($2,622/yr here).

Colorado $2,591/yr Louisiana $2,539/yr Nebraska $2,473/yr Kansas $2,350/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.86% here).

West Virginia 0.88% New Jersey 0.85% Alabama 0.85% Oregon 0.88%

Frequently Asked Questions

What is the average homeowners insurance cost in Oklahoma? ▼

Averaged across the 423 Oklahoma ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,622 ($2,811 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 48% above the national average of $1,776.

How have insurance premiums changed in Oklahoma? ▼

Oklahoma homeowners insurance premiums changed by +2.6% between 2018 and 2022. The average loss ratio is 46.4%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Oklahoma? ▼

The most expensive ZIP code for homeowners insurance in Oklahoma is 73116, with an average premium of $5,623/yr. The most affordable is 74115 at $1,763/yr.

What is the nonrenewal rate for Oklahoma homeowners insurance? ▼

Averaged across the Oklahoma ZIP codes that report one (87% of the state's ZIP codes), the nonrenewal rate is 0.86%. This rate has changed by -2.0% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 73106 has the highest nonrenewal rate in the state at 1.19%.

What is a loss ratio and what does Oklahoma's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Oklahoma's average loss ratio is 46.4%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Oklahoma? ▼

The average claim frequency in Oklahoma is 6.13%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $21,797. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Oklahoma? ▼

Across 77 FEMA National Risk Index counties that join to Oklahoma ZIP codes in the FIO file, the mean county risk score is 71.4 (3% above the 50-state mean of 69.3). The most common county-level top hazard is Tornado (37 of 77 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (17), Hail (12), Winter weather (11). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Oklahoma in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Oklahoma ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Oklahoma Homeowners Insurance

How Oklahoma Compares

Data Snapshot: Oklahoma Homeowners Insurance

Loss Ratio Reading: Oklahoma

Premium Trends (2018-2022)

Average premium in Oklahoma, 2018–2022

Most Expensive ZIP Codes in Oklahoma

Most Affordable ZIP Codes in Oklahoma

All ZIP Codes in Oklahoma

Oklahoma Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related