Water Risk Profile — ZIP 73073
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,500–$8,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Norman, Oklahoma's severe weather state has one of the highest rates of tornado-related water damage in the country — wind-driven rain through storm-damaged roofs is a major claim source from March through June. Oklahoma's clay soils expand significantly when wet and have caused widespread foundation movement in metro Oklahoma City and Tulsa. The Arkansas and Red Rivers create significant FEMA Zone AE flood designations in eastern and southern Oklahoma. Oklahoma Insurance Department requires claim acknowledgment within 10 days. Oklahoma City's rapid urban growth has increased impervious surface cover and stormwater flooding frequency in newer subdivisions.
Flood-prone areas: Campus Corner area hosts 1920s-1940s housing with aging foundations near Brookhaven Creek prone to clay-soil-driven movement and flooding. South Norman neighborhoods along the Canadian River floodplain flood during upstream precipitation events. Westwood and Westport areas experience drainage backup during severe spring storms.
Water Category Cost Table — Norman, OK
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.72–$6.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.74–$8.16 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.59–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Norman market (3.2–11/sq ft range).