InsureWatch

74133

Elevated60

Tulsa, Oklahoma — Tulsa County

Pop. 48,350Median Income $74,314Median Home $239,300
0/ 100Elevated Risk

2025 Estimated Premium

$3,085/yr

+12.6% from 2022 actual ($2,739)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,739

+1.7%

2018–2025

Nonrenewal Rate

0.32%

2018–2022

Claim Frequency

5.1%

Avg Claim Amount

$17,941

Score Breakdown

Premium Level (25%)92
Premium Trend (20%)58
Nonrenewal Risk (20%)7
Storm Exposure (15%)82
Affordability (10%)84
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201860 events
Property damage$106,000
3 hail20 flood
19
201990 events3 fatalities
Property damage$1,070,000
11 tornado16 hail39 flood
20
202061 events
Property damage$773,000
32 hail7 flood
21
202139 events
Property damage$95,000
2 tornado8 hail13 flood
22
202225 events
Property damage$2,081,000
1 tornado17 hail1 flood
23
202381 events
Property damage$160,580,000
19 hail1 flood
24
202487 events1 fatalities
Property damage$2,263,000
58 hail9 flood
25
2025120 events2 fatalities
Property damage$1,784,000
3 tornado82 hail12 flood

Nearby ZIP Codes

74137Tulsa, OK
62High
74136Tulsa, OK
66High
74012Broken Arrow, OK
56Elevated
74145Tulsa, OK
58Elevated
74146Tulsa, OK
61High

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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.