Home › Insurance discount › State Farm
State Farm · Checked 5 Oct 2026The State Farm FORTIFIED roof discount in Oklahoma is 30% of the wind and hail part of your premium, according to the Oklahoma Insurance Department’s discount sheet, which is based on 2018 rate filings. State Farm insures roughly 3 in 10 Oklahoma homes, so this is the discount most homeowners here will actually be asking about. Here’s what it’s worth, how to claim it and what to check first.
OID discount sheet (2018 filings); Free Press OKC, Dec 2025; 36 O.S. 961; OID OKReady.
The discount applies only to the wind and hail part of your premium, not the whole bill. Find that figure on your declarations page or ask your agent, then use the closest row.
| Wind and hail part of your premium | 30% discount | Over 5 years (one certificate) |
|---|---|---|
| $1,000 | $300 a year | $1,500 |
| $1,500 | $450 a year | $2,250 |
| $2,000 | $600 a year | $3,000 |
| $3,000 | $900 a year | $4,500 |
Simple percentages of the figure shown, before other discounts and future rate changes. The 30% is State Farm’s 2018 filed rate as listed by OID; State Farm may have refiled since, so confirm the current figure with your agent.
State Farm’s own discounts page says homes meeting IBHS FORTIFIED standards “may be eligible” for a discount in some states, and lists Oklahoma for its roofing discounts. It doesn’t publish an Oklahoma percentage, so your agent is the source of the current number.
Oklahoma law says the discount applies at the renewal after you send the certificate, not straight away. Send it as soon as IBHS issues it.
State Farm faces lawsuits in Oklahoma over how it handled hail roof claims, including cases in Oklahoma and Comanche counties and a suit by the Attorney General filed in July 2026. Documents released in August 2026 are alleged to show a push from 2020 to cut roof replacements. State Farm disputes the allegations and says it evaluates each claim individually. Trials are scheduled for late 2026.
None of that changes the FORTIFIED discount. It’s one more reason some homeowners want a roof built to hold up to hail in the first place.
Yes. OID’s discount sheet, based on 2018 rate filings, lists State Farm at 30% of the wind and hail premium. Ask your agent for the current figure.
No. Oklahoma law applies the FORTIFIED discount only to the wind and hail part of the premium.
At the policy renewal after you send State Farm your FORTIFIED certificate.
Yes. The discount comes from the FORTIFIED certificate, whether the grant paid for the roof or you did.
We’ll pass your details to one FORTIFIED roofer serving your area. Not with State Farm? See Allstate, Farmers, Farm Bureau and others or every filed discount.