Oklahoma
Home insurance overview — 423 ZIP codes, 323 cities
Avg Premium (2025 Est.)
$2,936
+12.0% from 2022
Nonrenewal Rate
0.86%
5yr Storm Damage
$689.3M
Oklahoma Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Nicoma Park | 1 | $2,925 | 81 | Extreme |
| Stuart | 1 | $3,021 | 80 | High |
| Smithville | 1 | $2,532 | 79 | High |
| Geronimo | 1 | $3,377 | 78 | High |
| Jennings | 1 | $2,862 | 78 | High |
| Healdton | 1 | $2,878 | 77 | High |
| River Bottom | 1 | $2,545 | 77 | High |
| Turpin | 1 | $3,564 | 76 | High |
| Longdale | 1 | $2,795 | 76 | High |
| Allen | 1 | $3,140 | 76 | High |
| Boswell | 1 | $2,127 | 75 | High |
| Wilson | 1 | $3,004 | 75 | High |
| Arkoma | 1 | $2,353 | 75 | High |
| Broken Bow | 1 | $3,186 | 75 | High |
| Haworth | 1 | $2,471 | 75 | High |
| East Duke | 1 | $2,808 | 74 | High |
| Amber | 1 | $3,085 | 74 | High |
| Indianola | 1 | $2,529 | 74 | High |
| Pond Creek | 1 | $3,627 | 73 | High |
| Tipton | 1 | $2,919 | 73 | High |
| Sawyer | 1 | $2,620 | 73 | High |
| Garber | 1 | $2,768 | 73 | High |
| Blair | 1 | $4,153 | 73 | High |
| Sterling | 1 | $2,717 | 72 | High |
| Texhoma | 1 | $3,674 | 72 | High |
| Burneyville | 1 | $3,261 | 72 | High |
| Fort Cobb | 1 | $2,691 | 72 | High |
| Paoli | 1 | $2,879 | 72 | High |
| Snyder | 1 | $4,821 | 72 | High |
| Holdenville | 1 | $3,018 | 72 | High |
| Cartwright | 1 | $3,214 | 71 | High |
| Drumright | 1 | $2,782 | 71 | High |
| Geary | 1 | $2,947 | 71 | High |
| Council Hill | 1 | $2,759 | 71 | High |
| Seminole | 1 | $3,174 | 71 | High |
| Pawnee | 1 | $2,971 | 71 | High |
| Springer | 1 | $3,026 | 71 | High |
| Medford | 1 | $4,048 | 71 | High |
| Langley | 1 | $2,740 | 70 | High |
| Slaughterville | 2 | $3,184 | 70 | High |
| Albany | 1 | $2,537 | 70 | High |
| Maysville | 1 | $2,554 | 70 | High |
| Teresita | 1 | $2,589 | 70 | High |
| Davenport | 1 | $2,794 | 70 | High |
| Prague | 1 | $2,916 | 70 | High |
| Agra | 1 | $2,881 | 70 | High |
| Byars | 1 | $2,951 | 69 | High |
| Carney | 1 | $2,856 | 69 | High |
| Lindsay | 1 | $2,892 | 69 | High |
| Tishomingo | 1 | $2,891 | 69 | High |
| Custer City | 1 | $3,053 | 69 | High |
| Union City | 1 | $3,078 | 69 | High |
| Cherokee | 1 | $2,975 | 69 | High |
| Valliant | 1 | $2,373 | 69 | High |
| Tribbey | 2 | $2,712 | 69 | High |
| Warr Acres | 1 | $3,018 | 69 | High |
| Disney | 1 | $2,640 | 68 | High |
| Caney | 1 | $2,405 | 68 | High |
| Verden | 1 | $2,695 | 68 | High |
| El Reno | 2 | $3,370 | 68 | High |
| Laverne | 1 | $2,502 | 68 | High |
| New Cordell | 1 | $3,127 | 68 | High |
| Idabel | 1 | $2,785 | 68 | High |
| Haileyville | 1 | $2,330 | 68 | High |
| Ketchum | 1 | $3,318 | 68 | High |
| Hammon | 1 | $3,660 | 68 | High |
| St. Louis | 1 | $2,727 | 68 | High |
| Bokoshe | 1 | $2,490 | 68 | High |
| Erick | 1 | $2,959 | 68 | High |
| Wyandotte | 1 | $2,582 | 68 | High |
| Okeene | 1 | $3,184 | 67 | High |
| Konawa | 1 | $2,995 | 67 | High |
| Covington | 1 | $2,709 | 67 | High |
| Earlsboro | 1 | $2,838 | 67 | High |
| Morris | 1 | $2,513 | 67 | High |
| Pettit | 1 | $2,425 | 67 | High |
| Chewey | 2 | $2,337 | 67 | High |
| Fairfax | 1 | $2,515 | 67 | High |
| Binger | 1 | $3,033 | 67 | High |
| Thackerville | 1 | $2,830 | 67 | High |
| Tyrone | 1 | $2,944 | 67 | High |
| Red Oak | 1 | $2,884 | 67 | High |
| Ochelata | 1 | $2,386 | 67 | High |
| Waurika | 1 | $3,486 | 67 | High |
| Waynoka | 1 | $3,017 | 67 | High |
| Warner | 1 | $2,403 | 67 | High |
| Midwest City | 2 | $3,042 | 66 | High |
| Hobart | 1 | $3,453 | 66 | High |
| Lone Grove | 1 | $2,937 | 66 | High |
| Liberty | 1 | $3,317 | 66 | High |
| Oklahoma City | 43 | $3,687 | 66 | High |
| Del City | 1 | $2,814 | 66 | High |
| Slick | 1 | $3,150 | 66 | High |
| Kinta | 1 | $2,405 | 66 | High |
| Medicine Park | 1 | $3,113 | 66 | High |
| Cimarron City | 1 | $3,223 | 66 | High |
| Glencoe | 1 | $2,593 | 66 | High |
| Drummond | 1 | $3,171 | 66 | High |
| Fitzhugh | 1 | $3,076 | 66 | High |
| Stroud | 2 | $2,887 | 66 | High |
| Welch | 1 | $2,412 | 66 | High |
| Henryetta | 1 | $2,502 | 65 | High |
| Cashion | 1 | $3,649 | 65 | High |
| Norman | 4 | $3,352 | 65 | High |
| Okmulgee | 1 | $2,651 | 65 | High |
| Bushyhead | 1 | $2,628 | 65 | High |
| Pawhuska | 1 | $2,617 | 65 | High |
| Kenwood | 3 | $2,471 | 65 | High |
| Atoka | 1 | $2,888 | 65 | High |
| Krebs | 1 | $2,227 | 65 | High |
| Tryon | 1 | $3,032 | 65 | High |
| Wetumka | 1 | $2,888 | 65 | High |
| Mannsville | 1 | $2,415 | 65 | High |
| Langston | 1 | $3,230 | 65 | High |
| Oologah | 1 | $2,771 | 65 | High |
| Mangum | 1 | $2,915 | 65 | High |
| Davis | 1 | $2,874 | 65 | High |
| Harrah | 1 | $3,165 | 65 | High |
| Olustee | 1 | $4,019 | 65 | High |
| Rock Island | 1 | $2,414 | 65 | High |
| Maud | 1 | $2,561 | 65 | High |
| Turley | 1 | $2,240 | 65 | High |
| Ramona | 1 | $2,627 | 64 | High |
| Nicut | 1 | $2,499 | 64 | High |
| Choctaw | 1 | $3,552 | 64 | High |
| Shattuck | 1 | $3,083 | 64 | High |
| Enterprise | 1 | $2,218 | 64 | High |
| Barnsdall | 1 | $2,367 | 64 | High |
| Luther | 1 | $3,749 | 64 | High |
| Cheyenne | 1 | $3,449 | 64 | High |
| Hendrix | 1 | $2,826 | 64 | High |
| Indiahoma | 1 | $3,800 | 64 | High |
| Carnegie | 1 | $3,317 | 64 | High |
| Kiefer | 1 | $2,855 | 64 | High |
| Cookson | 1 | $2,566 | 64 | High |
| Sperry | 1 | $3,014 | 64 | High |
| New Eucha | 1 | $2,792 | 64 | High |
| Longtown | 2 | $2,567 | 64 | High |
| Bennington | 1 | $2,880 | 64 | High |
| Rush Springs | 1 | $2,888 | 64 | High |
| Purcell | 2 | $2,937 | 64 | High |
| Altus | 1 | $3,581 | 64 | High |
| Elgin | 1 | $3,392 | 64 | High |
| Katie | 2 | $2,913 | 64 | High |
| Kaw City | 1 | $2,186 | 63 | High |
| Cache | 1 | $3,518 | 63 | High |
| Tulsa | 25 | $2,697 | 63 | High |
| Shady Point | 1 | $2,198 | 63 | High |
| Frederick | 1 | $2,612 | 63 | High |
| Morrison | 1 | $3,611 | 63 | High |
| Calvin | 1 | $2,484 | 63 | High |
| Talihina | 1 | $2,396 | 63 | High |
| Snake Creek | 1 | $2,469 | 63 | High |
| Ringling | 1 | $3,448 | 63 | High |
| Watonga | 1 | $3,196 | 63 | High |
| Hennessey | 1 | $2,859 | 63 | High |
| Cyril | 1 | $2,897 | 63 | High |
| Adair | 1 | $2,592 | 63 | High |
| Newcastle | 1 | $3,337 | 63 | High |
| Guthrie | 1 | $3,395 | 63 | High |
| Ardmore | 1 | $3,034 | 63 | High |
| Granite | 1 | $3,441 | 63 | High |
| Walters | 1 | $3,178 | 62 | High |
| Lone Wolf | 1 | $3,110 | 62 | High |
| Fort Towson | 1 | $2,380 | 62 | High |
| Madill | 1 | $2,739 | 62 | High |
| Weleetka | 1 | $2,977 | 62 | High |
| Seiling | 1 | $2,718 | 62 | High |
| Inola | 1 | $2,736 | 62 | High |
| Bray | 1 | $3,088 | 62 | High |
| Paden | 1 | $2,427 | 62 | High |
| Prue | 1 | $2,173 | 62 | High |
| Burns Flat | 1 | $2,988 | 62 | High |
| McAlester | 1 | $2,688 | 62 | High |
| Copan | 1 | $2,453 | 62 | High |
| Anadarko | 1 | $2,833 | 62 | High |
| Kingston | 1 | $2,477 | 62 | High |
| Canute | 1 | $3,147 | 62 | High |
| Vici | 1 | $2,758 | 61 | High |
| Fairview | 1 | $3,328 | 61 | High |
| Brent | 1 | $2,426 | 61 | High |
| Pin Oak Acres | 1 | $2,426 | 61 | High |
| Arapaho | 1 | $2,884 | 61 | High |
| Sentinel | 1 | $3,160 | 61 | High |
| South Coffeyville | 1 | $2,248 | 61 | High |
| Christie | 1 | $2,184 | 61 | High |
| Bethany | 1 | $3,003 | 61 | High |
| Comanche | 1 | $3,448 | 61 | High |
| Leedey | 1 | $2,952 | 61 | High |
| Sand Springs | 1 | $2,625 | 61 | High |
| Commerce | 1 | $2,318 | 61 | High |
| Clarita | 1 | $2,764 | 61 | High |
| Sand Point | 1 | $2,767 | 61 | High |
| Poteau | 2 | $2,597 | 61 | High |
| Yale | 1 | $2,698 | 60 | Elevated |
| Owasso | 1 | $2,930 | 60 | Elevated |
| Welling | 1 | $2,364 | 60 | Elevated |
| Gowen | 1 | $2,658 | 60 | Elevated |
| Pocasset | 1 | $3,209 | 60 | Elevated |
| Goodwell | 1 | $3,127 | 60 | Elevated |
| Bearden | 1 | $2,869 | 60 | Elevated |
| Hydro | 1 | $2,921 | 60 | Elevated |
| Beaver | 1 | $2,981 | 60 | Elevated |
| Ripley | 1 | $2,596 | 60 | Elevated |
| Skiatook | 1 | $2,786 | 60 | Elevated |
| Chandler | 1 | $2,846 | 60 | Elevated |
| Clinton | 1 | $3,176 | 60 | Elevated |
| Wann | 1 | $2,653 | 60 | Elevated |
| Pryor Creek | 1 | $2,546 | 60 | Elevated |
| Antlers | 1 | $2,202 | 60 | Elevated |
| Crowder | 1 | $2,087 | 60 | Elevated |
| Hartshorne | 1 | $2,501 | 60 | Elevated |
| Calera | 1 | $2,553 | 60 | Elevated |
| Lawton | 3 | $3,197 | 60 | Elevated |
| Cement | 1 | $2,990 | 60 | Elevated |
| Hinton | 1 | $3,947 | 60 | Elevated |
| Velma | 1 | $2,643 | 60 | Elevated |
| Clayton | 1 | $2,135 | 59 | Elevated |
| Newkirk | 1 | $2,624 | 59 | Elevated |
| McLoud | 1 | $3,144 | 59 | Elevated |
| Wellston | 1 | $2,944 | 59 | Elevated |
| Duncan | 1 | $3,454 | 59 | Elevated |
| Simms | 2 | $2,269 | 59 | Elevated |
| Grove | 1 | $2,843 | 59 | Elevated |
| Roland | 1 | $2,390 | 59 | Elevated |
| Collinsville | 1 | $2,557 | 59 | Elevated |
| Tonkawa | 1 | $2,587 | 59 | Elevated |
| Winchester | 1 | $2,905 | 59 | Elevated |
| Eagle City | 1 | $2,372 | 59 | Elevated |
| Piedmont | 2 | $3,558 | 59 | Elevated |
| Bixby | 1 | $3,035 | 59 | Elevated |
| Apache | 1 | $3,115 | 59 | Elevated |
| Weatherford | 1 | $3,304 | 59 | Elevated |
| Porter | 1 | $2,690 | 59 | Elevated |
| Moore | 1 | $3,165 | 59 | Elevated |
| Cleora | 1 | $3,184 | 59 | Elevated |
| Chickasha | 1 | $2,948 | 58 | Elevated |
| Miami | 1 | $2,505 | 58 | Elevated |
| Durant | 1 | $2,854 | 58 | Elevated |
| Colbert | 1 | $2,543 | 58 | Elevated |
| Ada | 2 | $2,938 | 58 | Elevated |
| White Oak | 1 | $2,588 | 58 | Elevated |
| Hominy | 1 | $2,480 | 58 | Elevated |
| Thomas | 1 | $3,171 | 58 | Elevated |
| Dill City | 1 | $2,863 | 58 | Elevated |
| Gracemont | 1 | $2,425 | 58 | Elevated |
| Goldsby | 1 | $3,780 | 58 | Elevated |
| Muskogee | 2 | $2,601 | 58 | Elevated |
| Justice | 1 | $2,632 | 58 | Elevated |
| Jenks | 1 | $3,002 | 58 | Elevated |
| Claremore | 1 | $2,618 | 58 | Elevated |
| Sulphur | 1 | $2,807 | 58 | Elevated |
| Kiowa | 1 | $2,408 | 58 | Elevated |
| Sapulpa | 2 | $3,035 | 58 | Elevated |
| Westport | 2 | $2,812 | 58 | Elevated |
| Edmond | 4 | $4,319 | 58 | Elevated |
| Perkins | 1 | $2,800 | 57 | Elevated |
| Tuskahoma | 1 | $2,304 | 57 | Elevated |
| Marietta | 1 | $2,441 | 57 | Elevated |
| Minco | 1 | $2,990 | 57 | Elevated |
| Fort Coffee | 1 | $2,445 | 57 | Elevated |
| Shawnee | 2 | $3,077 | 57 | Elevated |
| Pauls Valley | 1 | $2,764 | 57 | Elevated |
| Meeker | 1 | $3,108 | 57 | Elevated |
| Texanna | 2 | $2,559 | 57 | Elevated |
| Hollis | 1 | $2,867 | 56 | Elevated |
| Temple | 1 | $2,823 | 56 | Elevated |
| Mannford | 1 | $2,826 | 56 | Elevated |
| Hugo | 1 | $2,158 | 56 | Elevated |
| Cushing | 1 | $2,834 | 56 | Elevated |
| Big Cabin | 1 | $2,490 | 56 | Elevated |
| Caddo | 1 | $2,802 | 56 | Elevated |
| Pink | 1 | $2,809 | 56 | Elevated |
| Coweta | 1 | $2,706 | 56 | Elevated |
| Dewey | 1 | $2,317 | 56 | Elevated |
| Fletcher | 1 | $3,338 | 56 | Elevated |
| Sayre | 1 | $3,114 | 55 | Elevated |
| Carlisle | 1 | $2,592 | 55 | Elevated |
| Cloud Creek | 1 | $2,215 | 55 | Elevated |
| Elk City | 1 | $3,097 | 55 | Elevated |
| Talala | 1 | $2,680 | 55 | Elevated |
| Wagoner | 1 | $2,450 | 55 | Elevated |
| Waukomis | 1 | $2,630 | 55 | Elevated |
| Broken Arrow | 3 | $2,696 | 55 | Elevated |
| Blackwell | 1 | $2,485 | 55 | Elevated |
| Glenpool | 1 | $2,386 | 55 | Elevated |
| Mooreland | 1 | $3,172 | 55 | Elevated |
| Enid | 2 | $2,820 | 55 | Elevated |
| Kellyville | 1 | $2,870 | 55 | Elevated |
| Stratford | 1 | $3,002 | 55 | Elevated |
| Guymon | 1 | $3,636 | 55 | Elevated |
| Perry | 1 | $2,853 | 55 | Elevated |
| Ringwood | 1 | $2,850 | 54 | Elevated |
| Brushy | 1 | $2,588 | 54 | Elevated |
| Tuttle | 1 | $3,687 | 54 | Elevated |
| Haskell | 1 | $2,636 | 54 | Elevated |
| Heavener | 1 | $2,311 | 54 | Elevated |
| Rocky Mountain | 1 | $2,155 | 54 | Elevated |
| Fairland | 1 | $2,440 | 54 | Elevated |
| Hooker | 1 | $3,377 | 54 | Elevated |
| Lost City | 1 | $2,484 | 54 | Elevated |
| Redbird Smith | 1 | $2,145 | 53 | Elevated |
| Norwood | 1 | $2,708 | 53 | Elevated |
| Oktaha | 1 | $2,504 | 53 | Elevated |
| Ponca City | 2 | $2,758 | 53 | Elevated |
| Ninnekah | 1 | $3,326 | 53 | Elevated |
| Pocola | 1 | $2,315 | 53 | Elevated |
| Boise City | 1 | $2,579 | 53 | Elevated |
| Wewoka | 1 | $3,021 | 53 | Elevated |
| Blanchard | 1 | $3,355 | 53 | Elevated |
| Quapaw | 1 | $2,361 | 53 | Elevated |
| Dover | 1 | $2,642 | 52 | Elevated |
| Stillwater | 2 | $3,037 | 52 | Elevated |
| Bartlesville | 2 | $2,472 | 52 | Elevated |
| Park Hill | 1 | $2,388 | 52 | Elevated |
| Buffalo | 1 | $2,684 | 51 | Elevated |
| Alva | 1 | $2,936 | 51 | Elevated |
| Kingfisher | 1 | $3,118 | 51 | Elevated |
| Woodward | 1 | $3,114 | 50 | Elevated |
| Nowata | 1 | $2,388 | 50 | Elevated |
| Lahoma | 1 | $2,549 | 49 | Elevated |
| Fanshawe | 1 | $2,416 | 47 | Elevated |
| Cowlington | 1 | $2,369 | 46 | Elevated |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.