Homeowners Insurance in Tulsa, OK

For a home at Tulsa's median value of $205,300, we estimate about $2,565 a year — +3% 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 Tulsa

Est. premium

$2,565

$214/mo · median home

Median home value

$205,300

Oklahoma: $199,800

Median year built

1973

Census ACS

Owner-occupied

51.9%

of households

Hazard score

89.3

state ref. 87.7

Tulsa's estimate reflects its home values (3% higher than the state median) and FEMA's hazard profile for Tulsa County.

Natural hazard risk in Tulsa

FEMA National Risk Index — Tulsa County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	98.4	Comprehensive (car); roof claims (home)
Tornado	Very High	99.1	Comprehensive; dwelling
Hurricane	Very Low	46.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.4	Comprehensive; dwelling
Winter weather	Relatively High	89.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	91.3	Comprehensive; dwelling
Earthquake	Relatively Low	89.9	Home needs a separate earthquake policy
Lightning	Relatively High	91.9	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 Tulsa

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,510	$2,310
$300,000	$3,475	$3,195
$500,000	$5,225	$4,810
$750,000	$7,230	$6,650

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance by ZIP code in Tulsa

ZIP	Median home value	Owner-occupied	Est. premium
74133	$278,300	50.7%	$3,270
74136	$298,100	35.0%	$3,455
74137	$404,300	68.9%	$4,410
74105	$337,100	54.3%	$3,815
74115	$83,800	54.5%	$1,250
74134	$230,700	63.8%	$2,815
74112	$160,800	55.3%	$2,110
74135	$248,600	48.5%	$2,990
74129	$153,700	50.0%	$2,035
74145	$171,800	57.3%	$2,225
74146	$145,700	38.4%	$1,950
74127	$134,200	57.5%	$1,825
74114	$308,700	79.2%	$3,555
74106	$109,500	46.3%	$1,550
74110	$71,400	53.7%	$1,100
74128	$120,100	60.3%	$1,670
74104	$246,000	48.3%	$2,965
74132	$286,500	56.4%	$3,350
74108	$133,800	66.0%	$1,820
74120	$434,600	30.1%	$4,670
74119	$251,700	26.7%	$3,020
74116	$156,200	44.6%	$2,060

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

Frequently asked questions

How much is homeowners insurance in Tulsa?

For a home at Tulsa's median value of $205,300, we estimate about $2,565 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 Tulsa?

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

Does the age of homes in Tulsa affect insurance?

Yes. The median home in Tulsa was built in 1973 (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 Tulsa County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page