A Stormy Reality for Tulsa Homeowners Local data tells a clear story. According to a 2025 Bankrate report, Oklahoman homeowners now pay an average of $4,651 a year to insure a $300,000 home. For many in our region, that’s more than double the national average. Industry watchers estimate that Tulsa’s premiums could be climbing as much as 11% or more this year alone. We’re living in a “weather state,” as one local insurance expert put it, where each record-breaking storm—whether it’s a rapid flash flood or a rare EF-4 tornado—adds another layer of cost to protecting our homes.