FEMA Launches Flood Insurance Quote Tool for Tulsa
Tulsa residents can now get flood insurance quotes online and access a 45 percent discount on NFIP policies.
Updated on Nov. 6, 2026 in Insurance
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FEMA has launched an online tool through its Flood Smart website that lets Tulsa residents obtain flood insurance quotes. The City of Tulsa offers a 45 percent discount on National Flood Insurance Program policies.
Why it matters
Most homeowner and renters insurance policies do not cover flooding, leaving many Tulsa households without protection. The discount and online quoting tool make flood coverage easier to price and compare for residents near the Arkansas River.
The City of Tulsa offers a 45 percent discount on NFIP flood insurance policies, and one address-based quote showed an $815 premium reduction. The source does not report how many residents have purchased policies under the discount.
The players
FEMA
The Federal Emergency Management Agency is the federal agency that administers the National Flood Insurance Program and operates the Flood Smart website.
City of Tulsa
The City of Tulsa is the municipal government that offers the 45 percent NFIP policy discount to residents.
The details
Residents can use FEMA's Flood Smart website to obtain a flood insurance quote tailored to their address. The discount is available because Tulsa holds FEMA's highest community rating system classification, and the city is crossed by the Arkansas River.
Timeline
1984: Major flooding along the Arkansas River affected Tulsa.
1986: Major flooding along the Arkansas River affected Tulsa.
2019: Major flooding along the Arkansas River affected Tulsa.
November 6, 2026: FEMA announced the new online flood insurance quote tool for Tulsans.
Seasonal Patterns
The discount is tied to Tulsa's FEMA community rating system classification under the National Flood Insurance Program, which rewards communities that exceed minimum floodplain management standards. Tulsa's flood history in 1984, 1986, and 2019 underscores why such local incentives matter for residents along the Arkansas River.
Tulsa homeowners and renters can request a flood insurance quote online and check whether the 45 percent discount lowers their premium. Because most standard policies exclude flood damage, residents may want to compare these quotes against their current coverage.
The takeaway
Tulsa residents should check their flood risk and get an address-specific quote, since standard homeowner and renters policies typically do not cover flood damage and the local discount can meaningfully reduce premiums.
Further reading
For related coverage, explore more Insurance stories on flood and homeowner protection.
Source note: This article includes information reported by KTUL.
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Do you plan to buy flood insurance for your home this year?
