Data · June 2026 data · 14-month trend
Oklahoma Flood Insurance Costs
Flood insurance policies newly written or renewed in Oklahoma during June 2026 carried an average premium of $1,136. Premiums there are 13.4% higher than the $1,001 national figure. That represents an 8.1% increase year over year. In all, 821 policies were written or renewed across 56 counties that month, and Craig County topped the county table at $5,623.
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 — June 2026
- Average premium
- $1,136
- Avg total cost (with fees)
- $1,476
- Change (year over year)
- +8.1%
- vs national average
- +13.4%
- Policies written or renewed
- 821
- Counties reporting
- 56
Oklahoma trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Craig County | $5,623 | $6,932 | 1 | |
| Kingfisher County | $3,162 | $3,916 | 2 | |
| Marshall County | $3,156 | $4,021 | 3 | |
| Oklahoma County | $1,749 | $2,230 | 130 | |
| Sequoyah County | $1,538 | $2,012 | 9 | |
| Garfield County | $1,496 | $1,858 | 11 | |
| Garvin County | $1,473 | $1,894 | 8 | |
| Mayes County | $1,453 | $1,899 | 10 | |
| Grady County | $1,411 | $1,857 | 15 | |
| Ottawa County | $1,405 | $1,786 | 12 | |
| Washington County | $1,382 | $1,727 | 19 | |
| Cherokee County | $1,369 | $1,688 | 6 | |
| Muskogee County | $1,354 | $1,696 | 17 | |
| Rogers County | $1,288 | $1,645 | 38 | |
| Alfalfa County | $1,250 | $1,772 | 4 | |
| Kiowa County | $1,121 | $1,395 | 1 | |
| Wagoner County | $1,042 | $1,341 | 17 | |
| Comanche County | $1,019 | $1,312 | 48 | |
| Creek County | $1,018 | $1,292 | 12 | |
| Delaware County | $1,011 | $1,355 | 10 | |
| Osage County | $983 | $1,307 | 6 | |
| Carter County | $978 | $1,301 | 9 | |
| Stephens County | $968 | $1,215 | 6 | |
| Tulsa County | $960 | $1,254 | 213 | |
| McCurtain County | $952 | $1,196 | 2 | |
| Payne County | $918 | $1,249 | 12 | |
| Nowata County | $916 | $1,227 | 3 | |
| Major County | $904 | $1,364 | 1 | |
| Murray County | $895 | $1,353 | 1 | |
| McIntosh County | $894 | $1,202 | 3 | |
| Cotton County | $884 | $1,115 | 1 | |
| Haskell County | $882 | $1,113 | 1 | |
| Le Flore County | $859 | $1,187 | 11 | |
| Cleveland County | $858 | $1,124 | 67 | |
| Canadian County | $834 | $1,162 | 17 | |
| Latimer County | $829 | $1,051 | 2 | |
| Kay County | $811 | $1,094 | 14 | |
| Pittsburg County | $806 | $1,068 | 5 | |
| Okmulgee County | $788 | $1,047 | 5 | |
| Pottawatomie County | $774 | $1,087 | 11 | |
| Seminole County | $722 | $924 | 8 | |
| McClain County | $675 | $933 | 7 | |
| Caddo County | $608 | $846 | 4 | |
| Roger Mills County | $590 | $993 | 1 | |
| Hughes County | $572 | $747 | 1 | |
| Custer County | $544 | $804 | 5 | |
| Bryan County | $543 | $825 | 4 | |
| Adair County | $504 | $667 | 1 | |
| Woodward County | $448 | $691 | 5 | |
| Logan County | $414 | $561 | 3 | |
| Jackson County | $411 | $557 | 5 | |
| Blaine County | $395 | $538 | 1 | |
| Choctaw County | $373 | $737 | 10 | |
| Lincoln County | $372 | $511 | 1 | |
| Beaver County | $316 | $445 | 1 | |
| Texas County | $279 | $401 | 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, June 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.