Homeowners Insurance in Norman, OK
For a home at Norman's median value of $250,100, we estimate about $2,910 a year — +17% versus the Oklahoma NAIC average of $2,486.
Estimated homeowners insurance cost in Norman
Norman's estimate reflects its home values (25% higher than the state median) and FEMA's hazard profile for Cleveland County.
Natural hazard risk in Norman
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 96.3 | Comprehensive; dwelling | |
| Hurricane | 36.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 96.3 | Comprehensive; dwelling | |
| Winter weather | 95.6 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 85.0 | Comprehensive; dwelling | |
| Earthquake | 86.3 | Home needs a separate earthquake policy | |
| Lightning | 74.4 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Norman
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $2,435 | $2,240 |
| $300,000 | $3,365 | $3,100 |
| $500,000 | $5,065 | $4,660 |
| $750,000 | $7,010 | $6,450 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Norman
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 73072 | $306,500 | 55.8% | $3,425 |
| 73071 | $215,200 | 48.2% | $2,580 |
| 73069 | $234,000 | 45.7% | $2,760 |
| 73026 | $274,400 | 94.2% | $3,135 |
Homeowners insurance in Oklahoma · Car insurance in Norman · Insurance offices near Norman
Frequently asked questions
How much is homeowners insurance in Norman?
For a home at Norman's median value of $250,100, we estimate about $2,910 a year for a standard HO-3 policy with a $1,000 deductible. The Oklahoma NAIC average is $2,486.
What are the biggest natural hazards in Norman?
FEMA's National Risk Index rates Cleveland County relatively high or very high for hail, tornado, strong wind, and winter weather.
Does the age of homes in Norman affect insurance?
Yes. The median home in Norman was built in 1988 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Oklahoma, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Cleveland County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Cleveland County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)