Oklahoma Home-Insurance Distress by County

Oklahoma reads below the national norm for home-insurance distress — 77 counties averaging 28/100, 26th of 52 states.

5 of Oklahoma's 77 counties score 70 or higher (severe).

Oklahoma's reading rests on a FEMA hazard average of 29/100 and NFIP flood-claim stress of 31/100.

Over three years Oklahoma counties filed 155 NFIP flood claims, $6,794,193 paid.

Highest in Oklahoma: Creek County 85/100 (#232 US), Cleveland County 79/100 (#376 US), Oklahoma County 78/100 (#435 US), Pottawatomie County 71/100 (#602 US), Stephens County 71/100 (#606 US).

Oklahoma counties by insurance band: 31 low (Oklahoma), 23 zero, 20 medium, 3 high; Oklahoma NFIP claims, three years: 155; Oklahoma payouts $6.8 million.

Oklahoma counties with the most NFIP claims: Comanche 37 ($1.8 million); Tulsa 18 ($935,583); Cleveland 15 ($651,165) in Oklahoma; Seminole 9 ($595,497); Oklahoma 8 ($41,466).

Oklahoma county average rose: 26.6 in March 2026; Oklahoma reads 27.4 in October 2026; Oklahoma by month: March 26.6, April 26.6, May 27.1 (Oklahoma), June 27.1, July 26.1, August 26.3 (Oklahoma), September 26.2, October 27.4.

Highest Oklahoma ZIPs, insurance distress: 81008 42 (climate 83), 91361 0 (climate 100) in Oklahoma, 90043 0 (climate 100), 89178 0 (climate 100) in Oklahoma, 92861 0 (climate 100), 77532 0 (climate 100) in Oklahoma.

Reading the Oklahoma bands: 3 of 77 Oklahoma counties sit in a high or worse insurance band; Oklahoma filed 155 NFIP claims in three years, $6.8 million paid to Oklahoma policyholders; a Oklahoma county's band moves when FEMA hazard revisions, new Oklahoma NFIP settlements or carrier filings change its monthly score.