Yes, travel insurance for Oklahoma City is worth having, and for international visitors the honest reason has less to do with the city's own hospitals, which are genuinely capable, and everything to do with the cost of using them as a foreign visitor. The United States does not offer free emergency care to non-residents the way many countries do, and even a short hospital stay or ambulance ride can be billed directly to the patient, often before insurance is confirmed, which is the single biggest reason to carry real medical cover here rather than assuming things will simply be sorted out.
Oklahoma City itself sits in the heart of what is commonly called Tornado Alley, and severe weather season, roughly April through June, brings a genuine and well-documented risk of tornadoes and severe thunderstorms across central Oklahoma; this can disrupt flights at Will Rogers World Airport and, in a worst case, affect accommodation or personal safety directly, so trip-disruption cover and awareness of local weather alerts both matter if your visit falls in that window.
Unlike many remote or island destinations, evacuation logistics are not the issue in Oklahoma City - hospitals here are well staffed and equipped, and specialist care is available locally without needing to be flown elsewhere. The value of insurance is squarely about cost exposure: without cover, a visitor facing even a moderate emergency room visit can be asked to pay upfront, and the eventual bill can be substantial, so a policy with a meaningfully high medical benefit limit, not a minimal one, is worth prioritizing over cheaper plans with thin coverage caps.
On the practical side, keep every receipt and itemized bill from any treatment, since US claims are typically processed against detailed documentation rather than a summary. Check whether your existing health cover extends to the United States specifically, since many home country plans explicitly exclude or limit US treatment given how expensive care here can be relative to other destinations.