Home › FORTIFIED insurance discount in Oklahoma
Insurance · Checked 1 Oct 2026The FORTIFIED roof insurance discount in Oklahoma ranges from 3% to 42% of the wind and hail premium, according to the last list OID published. State law says insurers must give one when they find it actuarially justified, and doesn’t set the size, so the insurer you’re with can matter as much as the roof.
Discounts began 1 Apr 2018. Source: Justia, Oklahoma Statutes Title 36.
| Insurer | Discount on wind and hail premium | On a $2,000 wind and hail portion |
|---|---|---|
| National Security Fire & Casualty | 42% | $840 a year |
| State Farm | 30% | $600 a year |
| Union Mutual | 25% | $500 a year |
| Goodville Mutual | 20% | $400 a year |
| IDS | 20% | $400 a year |
| Armed Forces Insurance | 15% | $300 a year |
| EMC | 15% | $300 a year |
| Shelter | 14% | $280 a year |
| Foremost | 10% | $200 a year |
| Nationwide | 6% | $120 a year |
| QBE | 3% | $60 a year |
Rates from OID’s OKReady discount sheet, based on 2018 rate filings; no newer list has been published. Insurers may have refiled since, and many insurers aren’t listed. The $2,000 column is our worked example, not a typical premium. With State Farm? See the State Farm discount. With Allstate, Farmers, Farm Bureau or USAA? See what to ask.
LendingTree ranks Oklahoma the most expensive state for home insurance. A percentage discount is worth more when the bill is big, and in Oklahoma much of the bill is for wind and hail.
OID’s own figures for grant homes have put the average saving at $720 to $750 a year across its 2025 and 2026 announcements, and its January 2026 release described premium cuts of 20% to 30%.
The discount isn’t automatic. Your insurer needs your certificate, and you should check the next renewal shows it. If your insurer’s rate is low, the FORTIFIED certificate goes with the house, so you can use it when shopping for a new policy.
OID proposed a mandatory FORTIFIED discount and limits on roof-age non-renewals. We found no sign these passed.
Removes the grant programme’s 1 Nov 2026 sunset date.
OID’s hearing on whether the homeowners market is competitive is on hold.
Ends “file and use” rating: OID will review rate filings, and some homeowners rate increases need public notice.
Usually, but not unconditionally. 36 O.S. 961 says insurers shall give a discount on the wind and hail premium when they determine it’s actuarially justified. The size is set by each insurer’s filing. OID proposed in December 2025 to require it outright.
OID’s sheet, based on 2018 filings, lists 30% off the wind and hail premium. Ask State Farm for the current figure.
No. Oklahoma law applies it to the wind and hail portion only.
Your IBHS FORTIFIED certificate. The law also asks you to keep contractor and material receipts.
Your discount only means something next to what the roof costs. Get a quote, then check published prices and the grant.