Data · May 2026 data · 13-month trend
Oklahoma Flood Insurance Costs
Flood insurance policies newly written or renewed in Oklahoma during May 2026 carried an average premium of $1,071. Premiums there are 9.0% higher than the $982 national figure. That represents a 5.2% increase year over year. In all, 755 policies were written or renewed across 52 counties that month, and Kingfisher County topped the county table at $6,046.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,071
- Avg total cost (with fees)
- $1,404
- Change (year over year)
- +5.2%
- vs national average
- +9.0%
- Policies written or renewed
- 755
- Counties reporting
- 52
Oklahoma trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,018 | $1,345 | 886 | |
| June 2025 | $1,051 | $1,375 | 902 | |
| July 2025 | $1,018 | $1,350 | 876 | |
| August 2025 | $974 | $1,271 | 789 | |
| September 2025 | $1,036 | $1,364 | 769 | |
| October 2025 | $987 | $1,292 | 731 | |
| November 2025 | $999 | $1,330 | 722 | |
| December 2025 | $1,015 | $1,340 | 638 | |
| January 2026 | $1,070 | $1,411 | 490 | |
| February 2026 | $1,134 | $1,494 | 538 | |
| March 2026 | $1,059 | $1,386 | 646 | |
| April 2026 | $1,068 | $1,396 | 654 | |
| May 2026 | $1,071 | $1,404 | 755 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Kingfisher County | $6,046 | $7,375 | 8 | |
| Nowata County | $2,647 | $3,308 | 4 | |
| Caddo County | $1,904 | $2,319 | 2 | |
| Ottawa County | $1,591 | $2,034 | 16 | |
| Washington County | $1,570 | $1,993 | 26 | |
| Carter County | $1,543 | $1,892 | 2 | |
| Stephens County | $1,493 | $2,002 | 4 | |
| Cherokee County | $1,398 | $1,722 | 5 | |
| Pottawatomie County | $1,372 | $1,781 | 10 | |
| Delaware County | $1,292 | $1,597 | 7 | |
| Rogers County | $1,206 | $1,541 | 29 | |
| Creek County | $1,200 | $1,578 | 10 | |
| Kay County | $1,156 | $1,473 | 12 | |
| Oklahoma County | $1,154 | $1,515 | 131 | |
| Grady County | $1,121 | $1,523 | 14 | |
| Okmulgee County | $1,105 | $1,421 | 5 | |
| Mayes County | $1,095 | $1,439 | 6 | |
| Le Flore County | $1,027 | $1,340 | 8 | |
| Custer County | $1,016 | $1,271 | 1 | |
| Lincoln County | $1,010 | $1,264 | 1 | |
| Muskogee County | $996 | $1,344 | 7 | |
| Comanche County | $994 | $1,297 | 72 | |
| Wagoner County | $991 | $1,257 | 29 | |
| Garvin County | $987 | $1,350 | 4 | |
| Osage County | $958 | $1,315 | 4 | |
| Garfield County | $926 | $1,196 | 14 | |
| Tulsa County | $897 | $1,196 | 149 | |
| Cleveland County | $891 | $1,162 | 58 | |
| McClain County | $841 | $1,177 | 4 | |
| Pontotoc County | $822 | $1,042 | 1 | |
| Seminole County | $812 | $1,105 | 3 | |
| Canadian County | $784 | $1,072 | 33 | |
| Hughes County | $783 | $996 | 1 | |
| Payne County | $770 | $1,036 | 12 | |
| Woodward County | $731 | $1,063 | 7 | |
| Alfalfa County | $701 | $899 | 1 | |
| Pittsburg County | $675 | $1,018 | 9 | |
| Choctaw County | $644 | $832 | 2 | |
| Craig County | $629 | $814 | 1 | |
| Jackson County | $571 | $784 | 6 | |
| Sequoyah County | $554 | $771 | 5 | |
| Marshall County | $529 | $809 | 2 | |
| Pushmataha County | $526 | $693 | 1 | |
| Jefferson County | $503 | $666 | 1 | |
| Noble County | $500 | $662 | 1 | |
| Tillman County | $498 | $660 | 1 | |
| Texas County | $489 | $649 | 1 | |
| McIntosh County | $486 | $645 | 1 | |
| Major County | $467 | $623 | 1 | |
| Bryan County | $424 | $572 | 1 | |
| McCurtain County | $392 | $759 | 17 | |
| FIPS 40000 | $282 | $405 | 1 |
Use this data
Download Oklahoma CSV (oklahoma.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Oklahoma Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/oklahoma
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.