Water Risk Profile — ZIP 74106
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
Tulsa, 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: North Tulsa's Turley neighborhood and the Bird Creek watershed communities face the most persistent residential flood risk in the metro, as Bird Creek's relatively uncontrolled flow through north Tulsa's flat terrain allows rapid inundation of residential streets with limited warning time during fast-moving spring storm systems. Berryhill and West Tulsa on the Arkansas River corridor represent a second high-risk zone where Keystone Dam operations upstream can produce controlled but still damaging releases during large flood-control events, as occurred in May 2019 when the Army Corps of Engineers authorized record releases that inundated hundreds of Tulsa-area properties.
Water Category Cost Table — Tulsa, 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 Tulsa market (3.2–11/sq ft range).