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Homeowners Insurance in Oklahoma

Oklahoma homeowners paid about $2,268 a year on average in 2022, the 4th highest in the country and about $700 above the U.S. average of $1,569. The biggest reason is hail. Over the last four years, nearly half of all roofs in Oklahoma, 49.7%, were hit by severe hail. That's the highest rate in the nation. In 2025 alone, the figure was 64.7%. This page covers how hail shapes your policy, the state grants that help you fight back, and a risk most Oklahoma policies don't cover at all: earthquakes.

By AssistQuote Editorial Team

Reviewed by Shannon James Russell· Former licensed insurance agent and financial educator

Published September 24, 2026 · Last updated October 1, 2026

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Hail and your roof: what the numbers say

A 2025 national roofing report, shared by the Oklahoma Insurance Department, found:

  • The average roof replacement cost reached $17,631 in 2025, up 33% from recent years.
  • Nearly 29% of asphalt-shingle homes have less than four years of useful life left on their roofs.
  • Roofs with less than five years of life left can take 50% more damage in severe weather.

What this means for your policy:

  • Check your wind and hail deductible. Many policies use a separate one, sometimes a percentage of your dwelling coverage.
  • Check how your roof is paid. Some policies pay only the depreciated value for an older roof, not the full cost to replace it. On a $17,000 roof, that difference can be large.
  • Know your roof's age. An aging roof raises both your risk of damage and your price.

Strengthen Oklahoma Homes: up to $10,000 for a hail-resistant roof

The Oklahoma Insurance Department's Strengthen Oklahoma Homes (SOH) program gives grants of up to $10,000 to upgrade a roof to a FORTIFIED standard built for Oklahoma weather.

  • The standard: the FORTIFIED Home Roof, High Wind, with the Hail Supplement. The hail supplement adds impact-resistant shingles rated by IBHS, on top of a sealed roof deck, stronger deck attachment, and locked-down roof edges.
  • Who qualifies: owner-occupied, primary-residence, single-family homes, new or existing, with a homestead exemption on file. You need a policy that covers wind, plus flood insurance if you're in a high-risk flood zone.
  • Damaged roofs can qualify. Your home must be in good repair, unless the damage came from a tornado, windstorm, or hail.
  • Income tiers: the program has two tiers, split at a household income of $62,138.
  • What you pay: the evaluator's fee and anything above the grant. The grant goes straight to the contractor.
  • When to apply: application rounds open from time to time and are first come, first served. Watch oid.ok.gov/okready.

The payoff: FORTIFIED homes get discounts on the wind portion of their premium. The Insurance Commissioner has said homeowners in the program save an average of $720 a year. The program is funded by the insurance industry, not the state budget.

The earthquake gap

Oklahoma's earthquake activity since 2009 has been about 40 times higher than in the 30 years before. But typical homeowners and renters policies don't cover earthquakes.

What to know if you want coverage:

  • You can add it as an endorsement to your homeowners policy, or buy a separate policy. Not every insurer offers it.
  • Buy before you need it. Many insurers won't sell new earthquake coverage for 30 to 60 days after a quake, because of aftershocks.
  • The deductible is big. It's a percentage of your insured value, often 5% to 10%. On a $200,000 home, that's $10,000 to $20,000.
  • Check what's excluded. Some policies don't pay to replace masonry veneer, like brick or stone siding. Land damage, such as sinkholes, usually isn't covered.
  • Ask about man-made quakes. Whether quakes linked to oil and gas wastewater injection are covered depends on the policy wording. Ask your agent to confirm in writing.

Brick homes, wood-frame homes over crawl spaces, and multi-story homes are the most likely to be seriously damaged in a quake.

What changes your price in Oklahoma

  • Your roof: age, material, and whether it's FORTIFIED
  • Your wind and hail deductible
  • Your home's rebuild cost, especially with roof costs rising
  • Your claims history
  • Add-ons like earthquake coverage

Not a quote or an offer. Your price comes from the insurance company.

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Questions people ask

About $2,268 a year on average in 2022, the 4th highest in the U.S. Hail is a big reason.

Generally, yes, but check your wind and hail deductible and whether your roof is paid at replacement cost or its depreciated value.

No. Typical policies don't. You can add earthquake coverage or buy a separate policy, and it usually comes with a deductible of 5% to 10% of your insured value.

A state program that pays up to $10,000 toward upgrading your roof to the FORTIFIED High Wind and Hail standard, which can lower your insurance premium.

No. AssistQuote isn't an insurance company or an agent. We help you compare options from partner providers.

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Renters Insurance

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Condo Insurance

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Landlord Insurance

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Flood Insurance

Explore flood coverage, which standard home policies usually exclude.

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Sources

  1. NAIC homeowners report (2022 data) and affordability index, via Insurance Information Institute
  2. Oklahoma Insurance Department, 2025 roofing report underscores need for Strengthen Oklahoma Homes (June 29, 2026)
  3. Oklahoma Insurance Department, OKReady: Strengthen Oklahoma Homes
  4. Oklahoma Insurance Department, Next round of SOH grant applications (July 10, 2026)
  5. Oklahoma Insurance Department, Fast facts on earthquake insurance
  6. Oklahoma Insurance Department, Earthquakes