Oklahoma Home-Insurance Distress by County

Home-insurance distress across Oklahoma is below the national average, with an average county insurance-distress score of 26/100 — the 29th-highest of the 52 states and territories DLRadar scores. All 77 Oklahoma counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Underneath the Oklahoma headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

DLRadar treats the Oklahoma insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

For anyone sourcing acquisitions in Oklahoma, the value of a state-level insurance read is that it points to which counties to open first: a below the national average average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Because Oklahoma is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #29 national rank and county order move with actual conditions, not a fixed snapshot.

4 of Oklahoma's 77 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

Statewide, the pressure is driven by an average FEMA hazard score of 29/100 and average NFIP flood-claim stress of 28/100 — the exposures carriers price against and increasingly decline to renew, and why Oklahoma premiums climb faster than incomes.

NFIP paid $5,981,378 across 125 Oklahoma flood claims in three years; that ledger is what reprices coverage statewide.

Oklahoma County leads Oklahoma at 81/100, with Cleveland County close behind. Below, every Oklahoma county is ordered by insurance distress and links through to its detail page.

The takeaway for Oklahoma is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in Oklahoma you can find the owners whose breaking point is the insurance bill, before they list.