Question 1

Why is home insurance so expensive in Norman, Oklahoma?

Accepted Answer

Norman is located in the heart of Tornado Alley, where severe weather—including tornadoes, hailstorms, and high winds—occurs frequently. Insurance companies pay out significantly more in claims here than in most other parts of the country, which drives up premiums. Oklahoma consistently ranks as one of the most expensive states for homeowners insurance, with Norman averaging around $5,700 per year.

Question 2

Does my home insurance cover tornado damage in Norman?

Accepted Answer

Yes. Tornado damage is covered under the windstorm provision of your standard homeowners insurance policy—you don't need to purchase separate tornado insurance. However, you'll likely have a percentage-based wind/hail deductible (typically 1-5% of your home's insured value) rather than a flat deductible. Make sure your policy includes replacement cost coverage so you can fully rebuild if needed.

Question 3

What is the Strengthen Oklahoma Homes program?

Accepted Answer

The Strengthen Oklahoma Homes program, launched in 2024, provides grants of up to $10,000 to help Oklahoma homeowners retrofit their homes to meet FORTIFIED building standards, which focus on wind-resistant roofing and structural upgrades. After completing the upgrades and receiving FORTIFIED certification, homeowners can qualify for substantial insurance discounts—some insurers offer up to 42% off wind and hail premiums.

Question 4

How much can I save with impact-resistant roofing in Norman?

Accepted Answer

Installing impact-resistant shingles can reduce your home insurance premium by 5-20% or more, depending on your insurer. Some companies offer discounts as high as 42% for homes that meet FORTIFIED Roof standards. On a $5,700 annual premium, even a 10% discount saves you $570 per year, which can help offset the cost of the roof upgrade over time.

Question 5

What should I do immediately after storm damage to my Norman home?

Accepted Answer

First, document all damage with photos and videos before making any repairs. Then contact your insurance company as soon as possible to file a claim—Oklahoma law allows up to 24 months, but filing quickly speeds up your payout. Be cautious of storm-chasing contractors who show up unsolicited; always get multiple estimates, verify licenses, and never sign documents that assign your insurance benefits to a contractor.

Question 6

How is the wind and hail deductible different from my regular deductible?

Accepted Answer

While most perils like fire or theft have a flat deductible (such as $1,000), wind and hail damage in Oklahoma typically uses a percentage deductible of 1-5% of your home's insured value. For a $250,000 home with a 2% wind/hail deductible, you'd pay the first $5,000 out of pocket before insurance coverage begins. This is much higher than standard deductibles, so it's important to budget accordingly.

Insurance Agents in Norman, Oklahoma (OK)

Insurance agencies serving Norman

Aballtime LLC Insurance & Real Estate

Allied Insurance Agency

Insurance Agents in Norman, Oklahoma (OK)

Insurance agencies serving Norman

Aballtime LLC Insurance & Real Estate

Allied Insurance Agency

Altruistic Insurance Advisors

Buffalo Insurance Team

Covva Insurance, LLC

Employee Benefit Advisors

Enhanced Benefits Solutions, LLC

Fairway Insurance Group LLC

Fuson Tag Agency

Insurica

Insurance Guides for Norman

Home Insurance in Norman

Norman Insurance Guide

Car Insurance Costs in Norman

Auto Insurance in Norman

Frequently asked questions