Tornado and wind damage is covered by your standard Oklahoma home insurance or landlord policy. There is no separate tornado policy to buy. The number that decides what a tornado costs you is your wind and hail deductible.
How much does tornado insurance cost in Oklahoma?
Tornado insurance in Oklahoma has no separate price, because wind and tornado damage is a standard covered peril on every homeowners, dwelling, and landlord policy we write, not an add-on you buy. What you pay for tornado risk is built into your regular policy premium. The piece you control is the wind and hail deductible, which averages 3% to 5% of your dwelling coverage in our quote and policy data at OKC Insurance Brokers. Oklahoma is the middle of tornado alley, and carriers price every roof in the state for it.
The real question is what a tornado would cost you with the policy you already have. That comes down to one line on your declarations page: the wind and hail deductible percentage.
What does a 3% to 5% wind/hail deductible mean in dollars?
| Dwelling coverage | Flat $5,000 | 3% deductible | 5% deductible |
|---|---|---|---|
| $150,000 | $5,000 | $4,500 | $7,500 |
| $200,000 | $5,000 | $6,000 | $10,000 |
| $300,000 | $5,000 | $9,000 | $15,000 |
| $400,000 | $5,000 | $12,000 | $20,000 |
Deductible structures from quote & policy data at OKC Insurance Brokers, Oklahoma City. Your policy's exact percentage is on your declarations page. A flat $5,000 wind and hail deductible is a good one when a carrier will write it, and 3 to 5 percent of the dwelling is what most Oklahoma policies are offered.
A carrier quote with a low premium and a 5% wind deductible is not automatically a better deal than a higher premium with a flat $5,000 deductible. One hail storm in Edmond, Yukon, or Mustang can erase years of premium savings. When we quote your home we run the math both ways so you choose with real dollars in front of you. If your deductible is stuck high, a wind and hail deductible buy-down can cap your out-of-pocket for a small extra premium.
What tornado damage does an Oklahoma home policy pay for?
The structure
Roof, walls, windows, garage, and attached structures, up to your dwelling limit, minus the wind/hail deductible.
Your belongings
Furniture, electronics, clothing, and contents damaged or scattered by the storm, under personal property coverage.
A place to stay
Loss of use coverage pays for hotel and living costs while your home is unlivable after a covered tornado loss.
Detached structures
Fences, sheds, and shops, usually at 10% of your dwelling limit unless scheduled higher.
Your vehicles (separate policy)
Tornado damage to cars is paid by the comprehensive coverage on your auto policy, not your home policy. Liability-only autos get nothing.
Rental properties
Landlord policies cover tornado and wind the same way, plus lost rent while the home is rebuilt. See our Oklahoma landlord insurance page for real premium numbers.
How Oklahoma City homeowners keep tornado coverage affordable
Know your deductible before storm season
Pull your declarations page and turn the percentage into dollars. If the number would hurt, fix it in the quiet months, not in May.
Shop the wind deductible, and the premium second
As independent brokers we quote multiple carriers, and the same house can come back with a flat $5,000 deductible from one carrier and 5% from another at similar premiums.
Consider a deductible buy-down
A small supplemental policy can cap your wind/hail out-of-pocket. Read our buy-down guide for how it works, or request a buy-down quote directly. See our Oklahoma wind and hail deductible breakdown.
Document your roof
A newer roof with photos and permits earns better pricing in Oklahoma. Impact-resistant shingles can qualify for discounts with several carriers.
Rebundle after any rate jump
Oklahoma wind pricing changes every year. If your renewal jumped, a broker remarket across carriers is free and usually takes one phone call. Start with a quick home quote online, or see what a full Oklahoma homeowners policy should cost.
Oklahoma tornado insurance questions we get every spring
No. Tornado and wind damage is a standard covered peril on Oklahoma homeowners, dwelling, and landlord policies. There is no separate tornado policy to buy. What varies between policies is the wind and hail deductible, on average 3% to 5% of dwelling coverage, and that deductible decides your out-of-pocket after a storm.
Nothing separate. Tornado and wind coverage is built into your standard Oklahoma home, dwelling, or landlord policy premium. Your real tornado cost is the wind and hail deductible, on average 3% to 5% of your dwelling coverage, which is what you pay out of pocket before the policy pays a storm claim.
Your wind and hail deductible, which is a percentage of your dwelling coverage. On a $200,000 home, a 3% deductible is $6,000 and a 5% deductible is $10,000. Check your declarations page for your exact percentage, and ask about a deductible buy-down if the dollar figure is more than you could write a check for.
Only if your auto policy includes comprehensive coverage. Comprehensive pays for wind, hail, and falling debris damage to the vehicle. A liability-only auto policy pays nothing for storm damage to your own car.
Yes, an Oklahoma landlord policy covers tornado and wind damage to the dwelling and includes lost rental income while the home is repaired. The same 3% to 5% wind and hail deductible applies per property, which matters if you own several rentals in the same storm path.
Before the storm: the checklist that makes the claim go smoothly
Insurance is the money side; these are the five things that decide how fast that money arrives after an Oklahoma tornado or hail storm.
- Photograph or video every room and the outside of the house once a year, roof included, and store it off the property. A visual inventory is the fastest way to a full contents settlement.
- Know your wind and hail deductible in dollars, not as a percentage. Write it on the declarations page. If you cannot write that check the week after a storm, ask about a buy-down before the season starts.
- Check the dwelling limit against today's rebuild cost at every renewal. Construction prices moved; a limit set five years ago leaves you short on a total loss.
- Harden what you can: a Class 4 impact-resistant roof, secured outdoor furniture, storm shutters or reinforced garage doors. Several carriers discount for the roof, and Oklahoma's Strengthen Oklahoma Homes program has offered grants toward FORTIFIED upgrades.
- Have a family safety plan and a shelter, and keep the policy number and our number, (405) 509-9433, where you can reach them when the power is out. Claims start with a call, not a form.
Know your number before storm season
Send us your declarations page and we will tell you in plain English what a tornado would cost you, then shop it across our carriers if the answer is ugly. Quotes are free and there is no obligation.