Homeowners Insurance in Oklahoma City, OK

For a home at Oklahoma City's median value of $231,300, we estimate about $2,810 a year — +13% versus the Oklahoma NAIC average of $2,486.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Oklahoma City

Est. premium

$2,810

$234/mo · median home

Median home value

$231,300

Oklahoma: $199,800

Median year built

1982

Census ACS

Owner-occupied

58.6%

of households

Hazard score

88.5

state ref. 87.7

Oklahoma City's estimate reflects its home values (16% higher than the state median) and FEMA's hazard profile for Oklahoma County.

Natural hazard risk in Oklahoma City

FEMA National Risk Index — Oklahoma County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.7	Comprehensive (car); roof claims (home)
Tornado	Very High	99.5	Comprehensive; dwelling
Hurricane	Very Low	49.5	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	83.9	Comprehensive; dwelling
Winter weather	Relatively High	91.9	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	88.9	Comprehensive; dwelling
Earthquake	Relatively Moderate	94.0	Home needs a separate earthquake policy
Lightning	Relatively High	91.8	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 Oklahoma City

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,500	$2,300
$300,000	$3,460	$3,180
$500,000	$5,205	$4,785
$750,000	$7,195	$6,620

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Oklahoma City

ZIP	Median home value	Owner-occupied	Est. premium
73099	$245,700	73.9%	$2,945
73013	$319,000	76.0%	$3,630
73170	$264,300	81.8%	$3,125
73120	$238,000	51.7%	$2,875
73159	$159,200	53.5%	$2,085
73119	$100,600	50.1%	$1,445
73112	$196,400	51.7%	$2,465
73064	$247,900	79.9%	$2,970
73162	$254,900	72.0%	$3,035
73132	$213,500	52.3%	$2,635
73127	$156,700	42.2%	$2,055
73107	$159,300	54.5%	$2,085
73135	$175,700	55.2%	$2,255
73109	$99,200	43.5%	$1,425
73129	$84,700	50.1%	$1,255
73139	$176,400	46.2%	$2,260
73114	$156,700	34.5%	$2,055
73142	$364,300	58.0%	$4,040
73108	$80,700	38.1%	$1,210
73118	$249,200	55.2%	$2,980
73122	$172,100	55.3%	$2,215
73106	$301,900	35.4%	$3,475
73111	$120,700	54.2%	$1,670
73116	$321,600	68.4%	$3,655
74857	$205,100	92.6%	$2,550
73179	$274,700	80.9%	$3,225
73165	$325,600	95.3%	$3,690
73134	$228,300	13.6%	$2,780
73049	$261,500	83.6%	$3,100
73084	$141,600	67.9%	$1,895
73128	$194,100	57.0%	$2,440
73117	$153,600	37.8%	$2,025
73149	$128,100	49.0%	$1,750
73105	$162,000	35.5%	$2,110
73150	$313,500	81.8%	$3,580
73103	$441,500	32.7%	$4,710
73173	$360,600	95.6%	$4,005
73131	$343,300	92.3%	$3,850
73102	$436,500	7.4%	$4,670
73104	$408,100	14.8%	$4,425
73141	$141,100	72.0%	$1,890
73169	$267,800	80.6%	$3,160
73121	$257,400	77.2%	$3,060
73151	$667,000	100.0%	$6,555

Homeowners insurance in Oklahoma · Car insurance in Oklahoma City · Insurance offices near Oklahoma City

Frequently asked questions

How much is homeowners insurance in Oklahoma City?

For a home at Oklahoma City's median value of $231,300, we estimate about $2,810 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 Oklahoma City?

FEMA's National Risk Index rates Oklahoma County relatively high or very high for hail, tornado, inland (river) flooding, winter weather, and lightning.

Does the age of homes in Oklahoma City affect insurance?

Yes. The median home in Oklahoma City was built in 1982 (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 Oklahoma County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page