Data · July 2026 data · 15-month trend
Oklahoma Flood Insurance Costs
Flood insurance policies newly written or renewed in Oklahoma during July 2026 carried an average premium of $1,100. Premiums there are 11.6% higher than the $986 national figure. That represents an 8.0% increase year over year. In all, 824 policies were written or renewed across 50 counties that month, and Johnston County topped the county table at $2,919.
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 — July 2026
- Average premium
- $1,100
- Avg total cost (with fees)
- $1,446
- Change (year over year)
- +8.0%
- vs national average
- +11.6%
- Policies written or renewed
- 824
- Counties reporting
- 50
Oklahoma trend, last 15 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 | $1,374 | 902 | |
| July 2025 | $1,018 | $1,350 | 877 | |
| August 2025 | $974 | $1,271 | 790 | |
| September 2025 | $1,036 | $1,364 | 769 | |
| October 2025 | $990 | $1,296 | 735 | |
| November 2025 | $999 | $1,330 | 722 | |
| December 2025 | $1,015 | $1,340 | 638 | |
| January 2026 | $1,070 | $1,411 | 491 | |
| February 2026 | $1,133 | $1,494 | 538 | |
| March 2026 | $1,065 | $1,392 | 648 | |
| April 2026 | $1,068 | $1,395 | 656 | |
| May 2026 | $1,118 | $1,462 | 793 | |
| June 2026 | $1,136 | $1,476 | 821 | |
| July 2026 | $1,100 | $1,446 | 824 |
County breakdown — July 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 |
|---|---|---|---|---|
| Johnston County | $2,919 | $3,741 | 1 | |
| Cherokee County | $1,938 | $2,514 | 13 | |
| Alfalfa County | $1,926 | $2,458 | 4 | |
| Carter County | $1,923 | $2,341 | 3 | |
| Muskogee County | $1,871 | $2,355 | 18 | |
| Beckham County | $1,802 | $2,423 | 1 | |
| Logan County | $1,588 | $2,126 | 10 | |
| Mayes County | $1,524 | $1,870 | 7 | |
| Okmulgee County | $1,481 | $1,904 | 8 | |
| Garvin County | $1,478 | $1,853 | 6 | |
| Ottawa County | $1,474 | $1,879 | 10 | |
| Washita County | $1,452 | $1,897 | 2 | |
| Seminole County | $1,366 | $1,796 | 2 | |
| Latimer County | $1,291 | $1,595 | 1 | |
| Wagoner County | $1,281 | $1,610 | 25 | |
| Pottawatomie County | $1,240 | $1,685 | 9 | |
| Oklahoma County | $1,232 | $1,629 | 164 | |
| Washington County | $1,219 | $1,572 | 22 | |
| Creek County | $1,216 | $1,556 | 9 | |
| Le Flore County | $1,203 | $1,604 | 4 | |
| Payne County | $1,187 | $1,547 | 6 | |
| Pawnee County | $1,174 | $1,682 | 2 | |
| Grady County | $1,168 | $1,623 | 26 | |
| McClain County | $1,160 | $1,441 | 4 | |
| Comanche County | $1,110 | $1,448 | 47 | |
| Delaware County | $1,078 | $1,505 | 7 | |
| Garfield County | $1,005 | $1,258 | 3 | |
| Kiowa County | $995 | $1,246 | 2 | |
| Craig County | $970 | $1,329 | 2 | |
| Tulsa County | $950 | $1,268 | 227 | |
| Kingfisher County | $937 | $1,274 | 7 | |
| Stephens County | $936 | $1,267 | 5 | |
| Caddo County | $881 | $1,112 | 5 | |
| Sequoyah County | $871 | $1,136 | 6 | |
| Osage County | $867 | $1,096 | 7 | |
| Rogers County | $863 | $1,106 | 29 | |
| Cleveland County | $858 | $1,118 | 60 | |
| Pittsburg County | $837 | $1,116 | 4 | |
| Canadian County | $810 | $1,099 | 22 | |
| Pontotoc County | $796 | $1,012 | 3 | |
| Nowata County | $733 | $937 | 5 | |
| Kay County | $723 | $989 | 7 | |
| Marshall County | $689 | $998 | 2 | |
| FIPS 40000 | $645 | $833 | 1 | |
| Choctaw County | $577 | $978 | 1 | |
| Jackson County | $556 | $729 | 5 | |
| Cotton County | $548 | $869 | 3 | |
| Texas County | $409 | $610 | 4 | |
| Woodward County | $375 | $515 | 2 | |
| McCurtain County | $288 | $412 | 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 (NFIP Redacted Policies v3).
"Oklahoma Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/oklahoma
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.