Homeowners Insurance in Oklahoma
Checked against official sources · Last reviewed October 13, 2026
If you can't find homeowners insurance in Oklahoma, the Oklahoma Insurance Department (OID) points you to the Oklahoma Market Assistance Program (OK-MAP), which connects homeowners with insurers that may cover them. Under OID's rules, an insurer must give at least 60 days' notice before cancelling or not renewing a homeowners policy, unless the reason is one of seven listed in state law. A FORTIFIED roof can earn a discount on the wind and hail part of your premium, and the state's Strengthen Oklahoma Homes program offers grants of up to $10,000 toward one. [1][2][3][4]
At a glance
What homeowners insurance costs in Oklahoma: average premium, 2023 $2,486 a year in Oklahoma vs. $1,737 countrywide · 5th highest of 51 · All states (HO-3 policies; NAIC)
On this page
Oklahoma's market right now
Hail is the big story in Oklahoma. In June 2026, OID cited a national roofing report from Verisk:
- Over the last four years, 49.7% of Oklahoma roofs were hit by severe hail, "the highest rate nationwide." - In 2025, severe hail hit 64.7% of Oklahoma roofs, the highest of any state.
Market hearing: the Insurance Commissioner has called a public hearing under 36 O.S. 984 "for the purpose of determining whether the homeowners insurance market in Oklahoma is noncompetitive." Under that law, a competitive market is presumed unless the Commissioner finds otherwise after a hearing. OID says the hearing is not about whether any particular rates are too high and not about claims. It was first set for Sept. 14, 2026, and then moved to Oct. 26, 2026. On Sept. 28, 2026, the independent hearing examiner stayed the case while a request to disqualify him was decided, and struck "any hearing dates or schedules previously set." On Oct. 2, 2026, that request was denied and the order said the proceeding "shall resume under the Hearing Examiner without further delay." On Oct. 5, 2026, the Attorney General and another party asked for a new stay. As of Oct. 13, 2026, the case filings show no new hearing date. Filings and orders are posted on OID's hearing page. [12][13][14][15][16][17][18][19]
Can't find insurance? OK-MAP, not a FAIR plan
Many states have a FAIR plan, a state-created pool that sells basic insurance when regular insurers won't. OID's homeowners guide does not list one for Oklahoma. Instead it says: "If you are having problems finding homeowners insurance, you should contact the Oklahoma Market Assistance Program (OK-MAP). OK-MAP can connect you with insurance companies that may be willing to cover your home."
- Phone: (405) 842-9883
- Website: mapsprogram.com
OK-MAP is not an insurer. State law says the Market Assistance Association "is not a carrier capable of assuming insurance risks" and cannot guarantee that every home will get coverage. OK-MAP says insurers writing owner-occupied homes in Oklahoma must quote at least one of every five applications referred to them, within 10 working days, and that you must meet its qualifications to apply.
For other options, see our surplus lines guide and our national FAIR plan guide. [1][7][20]
Oklahoma's FEMA disaster record since 2000
Federal disaster declarations for Oklahoma, counted from FEMA's official declarations data. A "major disaster" declaration brings federal recovery aid; a "fire management" declaration helps pay to fight a wildfire that threatens homes.
Most recent
- Severe Storm And Straight-Line Winds Severe Storm · Major disaster · declared 2026-10-07
- Train Trestle Fire Fire · Fire management · declared 2026-08-13
- Jumping Juniper Fire Fire · Fire management · declared 2026-03-22
- Dibble Creek Fire Fire · Fire management · declared 2026-03-22
- Buck Horn Fire Fire · Fire management · declared 2026-03-19
- 1170 Road Fire Fire · Fire management · declared 2026-03-15
Source: FEMA OpenFEMA Disaster Declarations Summaries, downloaded 2026-10-14. Each declaration counted once, however many counties it covers. Flood history and flood insurance: FloodHawk.
Hail, wind and wildfire in Oklahoma
Hail, thunderstorm wind and tornado reports
Severe weather reports logged by the National Weather Service in NOAA's Storm Events Database, July 2025 to June 2026 (the latest 12 months NOAA has published), next to the yearly average for 2016 to 2025.
Largest hail in those 12 months: 3.75 inches, Noble County, November 19, 2025 (1 other report was the same size).
Most reports of 1-inch-plus hail, 2016–2025: Oklahoma (297), Cleveland (258), Tulsa (190), Comanche (152), Grady (133).
Source: NOAA NCEI Storm Events Database, downloaded October 14, 2026. NOAA adds each month about 75 to 90 days after it ends. Tornadoes are counted in NOAA's segments: one that crosses a county line counts once per county, and one that briefly lifts and touches down again can count twice. Reports depend on people seeing and reporting storms, so busier areas log more of them: these counts show how often storms are reported, not the risk to any one home.
Wildfire
Homes in Oklahoma have, on average, greater wildfire risk than 84% of states, and greater wildfire likelihood (the chance of a wildfire burning in any given year) than 90% of states, according to the USDA Forest Service.
Of Oklahoma's 2,418,967 buildings, 51% are in the Forest Service's direct exposure zone (they may be ignited by flammable vegetation next to them, as well as by embers), 16% in the indirect exposure zone (embers or a neighboring burning building), and 32% have minimal exposure.
Source: USDA Forest Service, Wildfire Risk to Communities (state data table updated April 15, 2026). The Forest Service says its ratings describe communities, not individual homes; they don't reflect work owners have done to lower their risk, and the tool isn't designed for insurance companies, which do their own wildfire assessments.
| Year | Fires | Acres |
|---|---|---|
| 2021 | 1,727 | 113,235 |
| 2022 | 2,811 | 385,133 |
| 2023 | 1,580 | 162,489 |
| 2024 | 3,041 | 383,592 |
| 2025 | 2,537 | 304,179 |
Source: National Interagency Coordination Center annual reports (table "Wildland Fires and Acres Burned by State and Agency", from the SIT/209 reporting system). Each year counts only the agencies listed for Oklahoma in that year's table, so a big change between years can come from which agencies reported.
2026 so far: 565,442 acres burned in wildfires reported to the national interagency fire-incident system (IRWIN) for Oklahoma, as of October 14, 2026. Preliminary: from NIFC's year-to-date wildfire locations (WFIGS), which doesn't include every state and local fire and isn't comparable to the annual totals above.
If your insurer cancels or won't renew
OID's rule (Oklahoma Administrative Code 365:15-1-14, in the version effective July 25, 2026) sets these minimum notice periods for homeowners and other personal residential policies:
| Reason | Cancellation notice | Nonrenewal notice |
|---|---|---|
| One of the 7 reasons below | at least 10 days | at least 30 days |
| Any other reason | at least 60 days | at least 60 days |
Before July 25, 2026, the rule required at least 30 days. OID announced the change to 60 days in Bulletin 2026-02.
The seven reasons, listed in 36 O.S. 3639.1(A), are: nonpayment of premium; fraud or material misrepresentation; willful or reckless acts that increase a hazard; a change in the risk that substantially increases a hazard; a fire, health, safety, building or construction code violation that substantially increases a hazard; a finding by the Commissioner that keeping the policy would break Oklahoma insurance law; or a conviction for a crime that increases a hazard.
Other protections in 36 O.S. 3639.1:
- If your policy has been in effect more than 45 days, an insurer may not cancel, refuse to renew or raise your premium solely because you filed a first claim. - Your insurer must send a written renewal notice showing the new premium, deductible, limits or coverage at least 30 days before the policy expires. If it doesn't, your old premium and coverage stay in effect until it gives notice or you get replacement coverage, whichever comes first.
OID also says insurers may not surcharge you for weather-related claims. If you think a cancellation is unfair, OID suggests first asking the insurer's consumer affairs division. If you don't get a satisfactory answer, call OID at (800) 522-0071. See our nonrenewal guide. [1][2][3][21]
Discounts for a FORTIFIED roof
FORTIFIED is a roofing standard from the Insurance Institute for Business & Home Safety (IBHS). Oklahoma law (36 O.S. 961 for new homes and 962 for retrofits) has required insurers since April 1, 2018, to provide a premium discount or rate reduction for homes built or retrofitted to the FORTIFIED Home High Wind and Hail standard. The discount is required only when the insurer finds it "actuarially justified." Key limits:
- The discount applies only to the wind and hail portion of your premium. - It starts at the renewal after you give your insurer the certification. - Insurers may ask for documentation or recertification at later renewals. - Keep your FORTIFIED certificate, contractor receipts and material receipts. The law requires you to keep these records and show copies to your insurer.
OID's discount sheet, based on 2018 rate filings, lists discounts of up to 42% on wind and hail premiums for FORTIFIED High Wind & Hail roofs. Discounts vary by insurer and location and may change, so ask your agent what yours would be. OID says FORTIFIED designations last five years and can be renewed with a re-inspection. See our FORTIFIED roof guide. [4][10][11][22]
Strengthen Oklahoma Homes grants
The Strengthen Oklahoma Homes (SOH) program, run by OID, pays up to $10,000 toward upgrading your roof to the IBHS FORTIFIED Home – Roof – High Wind designation with the Hail Supplement. Money goes directly to the contractor after the work is done and certified. You pay the FORTIFIED evaluator's fee and any cost above the grant. OID says the program is paid for by the insurance industry, not the state's general budget.
Status (checked Oct. 13, 2026): OID announced a statewide Q4 application period opening at noon on Monday, Oct. 12, 2026. On Oct. 13, 2026, OID's SOH page said "Applications are open to all Oklahoma zip-codes." Grants are awarded "on a first-come, first-served basis as funding allows." OID says more than 600 homes have completed the program.
The 2024 law that created SOH (36 O.S. 972) set the program to continue until Nov. 1, 2027. A 2026 law, House Bill 3796, effective Nov. 1, 2026, removes that end date.
Who qualifies, according to OID:
- Your primary residence in Oklahoma, with a homestead exemption on file with your county assessor - A single-family home. Apartments, duplexes, condos, manufactured homes and mobile homes are not eligible. - The home must be in good repair, apart from recent storm damage. - You need an in-force homeowners policy with wind coverage, plus flood insurance if the home is in a FEMA special flood hazard area. - A SOH-approved FORTIFIED evaluator must find the home eligible.
OID uses two income tiers: household income of $62,138 or less, and above $62,138. You choose three bids from SOH-approved contractors. You must have your award letter before any work starts. If you hire a contractor and start work before you are accepted into the program, you are not eligible. The grant can be combined with an insurance claim payment to cover the difference for a FORTIFIED roof. Questions: okready@oid.ok.gov or (844) 323-9657. [4][8][9][23][24][25]
Flood is separate
OID says: "Homeowners coverage does not include floods, earthquakes, back up of sewer and water, home businesses, home daycare, identity theft, nuclear accidents or war." Flood insurance is sold separately. Our sister site FloodHawk covers flood zones and flood insurance. [1]
Where to get help
OID's Consumer Assistance Division answers questions and investigates requests for assistance and complaints:
- Toll free: (800) 522-0071
- Oklahoma City: (405) 521-2828
- Tulsa: (918) 295-3700
- Complaints: OID's request for assistance / complaint forms
OID asks you to contact your insurer first and to include copies of your policy, letters and phone logs. It also lists what it cannot do: it can't order a company to pay a claim or refund premium, act as a court or give legal advice, or recommend an agent or company. [5][6]
Questions people ask
Does Oklahoma have a FAIR plan?
OID's homeowners guide does not list a FAIR plan. For people who can't find homeowners insurance, it points to the Oklahoma Market Assistance Program (OK-MAP), (405) 842-9883. OK-MAP helps place coverage with insurers but is not an insurer itself. [1][7]
How much notice must an Oklahoma insurer give before dropping my homeowners policy?
Under OID's rule effective July 25, 2026, at least 60 days for a cancellation or nonrenewal. If the reason is one of the seven listed in 36 O.S. 3639.1(A), such as nonpayment or fraud, the minimum is 10 days for a cancellation and 30 days for a nonrenewal. [1][2]
Can my Oklahoma insurer drop me for filing one claim?
Not solely for a first claim, if the policy has been in effect more than 45 days. The insurer can still act for the listed reasons, such as nonpayment or fraud. OID adds that insurers may not surcharge for weather-related claims. [1][3]
How much is the Strengthen Oklahoma Homes grant?
Up to $10,000 toward a FORTIFIED Roof with the hail supplement, paid directly to the contractor. You pay the evaluator's fee and any cost over the grant. A statewide application period opened Oct. 12, 2026, and OID's program page said applications were open as of Oct. 13, 2026. Grants are awarded first come, first served as funding allows. [4][8][9]
Do Oklahoma insurers have to give a discount for a FORTIFIED roof?
Yes, when the insurer finds it actuarially justified. 36 O.S. 961 and 962 require a discount or rate reduction for homes built or retrofitted to the FORTIFIED High Wind and Hail standard. It applies only to the wind and hail part of the premium, starting at the renewal after you submit your certificate. [10][11]
Sources (25)
- Choosing Your Homeowners Insurance Policy, Oklahoma Insurance Department. Accessed October 13, 2026.
- OAC 365 Chapter 15, Property and Casualty (permanent rules effective July 25, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- 36 O.S. 3639.1 Cancellation, Refusal to Renew or Increase Premium of Homeowner's Insurance Policy - Notice, Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- Strengthen Oklahoma Homes Program, Oklahoma Insurance Department. Accessed October 13, 2026.
- Oklahoma Insurance Department, Oklahoma Insurance Department. Accessed October 13, 2026.
- File an Online Complaint, Oklahoma Insurance Department. Accessed October 13, 2026.
- 36 O.S. 6412 Creation of Market Assistance Association, Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- Strengthen Oklahoma Homes Builds Momentum with Statewide Application Period (Sept. 30, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- Oklahoma Insurance Department to Open Next Round of Strengthen Oklahoma Homes Grant Applications on July 13, Oklahoma Insurance Department. Accessed October 13, 2026.
- 36 O.S. 961 Insurance Discount for Homes Constructed to Meet High Wind and Hail Standards, Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- 36 O.S. 962 Insurance Discount for Homes Retrofitted to Meet High Wind and Hail Standards, Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- 2025 Roofing Report Underscores Need for Strengthen Oklahoma Homes Program (June 29, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- Special Notice: Hearing Pursuant to 36 O.S. 984 as to Whether the Oklahoma Homeowners Insurance Market is Noncompetitive (July 14, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- Special Notice: Order Setting New Date for Hearing Pursuant to 36 O.S. 984 (Sept. 11, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- 36 O.S. 984 Presumption of Competitive Market, Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- Administrative Order, Case No. 26-0820-TRN (Sept. 28, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- Order Denying the Joint Affidavit Seeking Disqualification of the Independent Hearing Examiner and the Insurance Commissioner (Oct. 2, 2026), Oklahoma Insurance Department. Accessed October 13, 2026.
- Joint Motion of the Oklahoma Attorney General and Bob Sullivan to Stay Proceedings (Oct. 5, 2026), Oklahoma Insurance Department (case record). Accessed October 13, 2026.
- Hearing Pursuant to 36 O.S. 984, Case No. 26-0820-TRN, Oklahoma Insurance Department. Accessed October 13, 2026.
- Oklahoma Market Assistance Program, Oklahoma Market Assistance Program (OK-MAP). Accessed October 13, 2026.
- Oklahoma Insurance Commissioner Issues Bulletin Addressing 2026 Rule Changes, Oklahoma Insurance Department. Accessed October 13, 2026.
- Build FORTIFIED: Oklahoma Insurance Discounts, Oklahoma Insurance Department. Accessed October 13, 2026.
- 36 O.S. 972 Department of Insurance the Strengthen Oklahoma Homes (SOH) Program (version from Laws 2024, HB 3089), Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- 36 O.S. 972 Strengthen Oklahoma Homes (SOH) Program (as amended by Laws 2026, HB 3796, eff. Nov. 1, 2026), Oklahoma State Courts Network (Oklahoma Statutes). Accessed October 13, 2026.
- Enrolled House Bill No. 3796 (2026), Oklahoma Legislature. Accessed October 13, 2026.