Norman, OK Short-Term Rentals: Insurance Requirements (2026)

Norman's short-term rental ordinance (NCC art. 20-XXVII, adopted by Ord. O-1920-56 in 2020 and rewritten by Ord. O-2223-23 in 2023) puts every rental under 30 days through an annual license issued by the City Clerk. NCC 20-2703 lists what the owner must attest to on the application, and 'proof of current, valid property insurance' is one of the required attestations, filed alongside proof that transient guest room tax has been paid, a diagram of parking and egress routes, and confirmation that smoke detectors, carbon monoxide detectors and fire extinguishers are operational.

The City Clerk can request the underlying documentation at any time, not just at filing. NCC 20-2703's closing line makes the stakes explicit: any fraud, material misrepresentation or false statement in the attestations, including the insurance attestation, is grounds for immediate revocation of the short-term rental license, and every requirement in the section must be continuously maintained throughout the duration of the permit, meaning a lapsed policy is itself a violation, not just a filing-time check. 00 to renew, per the City fee schedule referenced in NCC 20-2706.

An applicant may hold up to four short-term rental licenses unless they comply with the separate zoning-overlay conditions in NCC 36-554. Because the license also caps occupancy to one guest party at a time, bars anyone under 18 from renting, and requires an in-metro local contact reachable within an hour, the insurance attestation functions as one piece of a broader owner-accountability package the City Clerk reviews before issuing or renewing.