Homeowners insurance availability in Oklahoma
Oklahoma is projected to become the second most expensive state for homeowners insurance, with 2025 premiums up roughly 24% on convective storm losses, and non-renewal rates that doubled between 2018 and 2023 in federal data.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| Farmers Insurance | Non-renewing blocks | 2024-11-01 |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance
Tracked activity in Oklahoma
Hearing examiner sets an August 26 entry-of-appearance deadline in the Oklahoma noncompetitive-market hearing
The Independent Hearing Examiner in the 36 O.S. section 984 proceeding (case 26-0820-TRN-NMN) issued an order on July 29, 2026 requiring any party wishing to participate in the September 14, 2026 hearing on whether the Oklahoma homeowners insurance market is noncompetitive to file an entry of appearance with the Department by August 26, 2026, and scheduling a prehearing conference for all appearing parties on August 27, 2026. The Insurance Commissioner circulated the order to all property and casualty insurers in a special notice dated July 31, 2026.
Source: Oklahoma Insurance Department special notice · verified 2026-08-03
Oklahoma 60-day homeowners cancellation and non-renewal notice rule takes effect
Oklahoma amended OAC 365:15-1-14(b) and (d) through House Joint Resolution 1091, effective July 25, 2026, requiring insurers to give at least 60 days notice before the date of cancellation or non-renewal of a homeowners policy or any other personal residential coverage. Where the action is for one of the reasons listed in 36 O.S. section 3639.1(A), the rule sets at least 10 days notice before cancellation and 30 days before non-renewal. Commissioner Glen Mulready published the change in Bulletin 2026-02 on July 28, 2026.
Source: Oklahoma Insurance Department Bulletin 2026-02 · verified 2026-08-03
Oklahoma Insurance Department sets a hearing on whether the homeowners market is noncompetitive
The Oklahoma Insurance Department issued a notice of hearing under 36 O.S. sections 307 and 984 and OAC 365:1-7-1(a), set for Monday, September 14, 2026 at 9 a.m. in Multipurpose Room 100 of the Oklahoma State Capitol, to determine whether the homeowners insurance market in Oklahoma is noncompetitive. The notice states the hearing is not for the purpose of determining whether any particular homeowners rates are excessive, nor for addressing claims issues, and invites property and casualty insurers and the Oklahoma Attorney General to file an entry of appearance with OID legal.
Source: Oklahoma Insurance Department special notice · verified 2026-07-20
Strengthen Oklahoma Homes opens statewide applications
The Oklahoma Insurance Department opened statewide applications for Strengthen Oklahoma Homes on January 12, 2026, offering up to $10,000 per homeowner for fortified roofs; the pilot reported over 100 homes upgraded and premium discounts of 20-30% for participants.
Source: Oklahoma Insurance Department · verified 2026-07-02
Strengthen Oklahoma Homes grant program launches first pilot
The Oklahoma Insurance Department launched the Strengthen Oklahoma Homes program, offering up to $10,000 per household for fortified roof upgrades, with a first pilot of 100 homes beginning March 3, 2025.
Source: Oklahoma Insurance Department · verified 2026-07-02
Farmers non-renews about 1,300 eastern Oklahoma homeowners policies
The Oklahoma insurance commissioner announced Farmers Insurance would decline renewal on approximately 1,300 homeowners policies in eastern Oklahoma starting November 1, 2024, described as a wildfire-risk reduction affecting under 2% of Farmers’ Oklahoma book.
Source: OKC Fox 25 · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Oklahoma non-renewal playbook