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    <import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
    <import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
    <import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd" />
    <element id="OXBR_OxbridgeReinsuranceLimitedMember" name="OxbridgeReinsuranceLimitedMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_OxbridgeReNSMember" name="OxbridgeReNSMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SurancePlusIncMember" name="SurancePlusIncMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NotesPayableToSeries20201NoteholdersMember" name="NotesPayableToSeries20201NoteholdersMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SubscriptionAgreementsMember" name="SubscriptionAgreementsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_InvestorsAndNonUSPersonsMember" name="InvestorsAndNonUSPersonsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ThirdPartyInvestorsMember" name="ThirdPartyInvestorsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SubscriptionArrangementsMember" name="SubscriptionArrangementsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_OxbridgeReHoldingsLimitedMember" name="OxbridgeReHoldingsLimitedMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NetInvestmentAndOtherIncomeMember" name="NetInvestmentAndOtherIncomeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_UnderwritingRelatedIncomeMember" name="UnderwritingRelatedIncomeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_WarrantOneMember" name="WarrantOneMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SecuritiesPurchaseAgreementMember" name="SecuritiesPurchaseAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_OfferingMember" name="OfferingMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SeriesAWarrantsMember" name="SeriesAWarrantsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_SeriesBWarrantsMember" name="SeriesBWarrantsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_TwoThousandTwentyFiveOmnibusIncentivePlanMember" name="TwoThousandTwentyFiveOmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_GeneralAndAdministrativeExpensesMember" name="GeneralAndAdministrativeExpensesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_TwoThousandTwentyOneOmnibusIncentivePlanMember" name="TwoThousandTwentyOneOmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_OfficeLeaseMember" name="OfficeLeaseMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ResidentialLeaseMember" name="ResidentialLeaseMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ReinsuranceAgreementMember" name="ReinsuranceAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_HCIMember" name="HCIMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_MrJayMadhuMember" name="MrJayMadhuMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_IncomeLossBeforeIncomeAttributableToTokenholdersAndNoncontrollingInterests" name="IncomeLossBeforeIncomeAttributableToTokenholdersAndNoncontrollingInterests" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_IncomeLossAttributableToTokenholders" name="IncomeLossAttributableToTokenholders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_IncreaseDecreaseInOperatingRightOfUseAsset" name="IncreaseDecreaseInOperatingRightOfUseAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NetProceedsFromIssuanceOfTokens" name="NetProceedsFromIssuanceOfTokens" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_RightofuseLeaseAssetObtainedInExchangeForOperatingLeaseLiabilities" name="RightofuseLeaseAssetObtainedInExchangeForOperatingLeaseLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_StockIssuedDuringPeriodIncomeAttributableToNonControllingInterests" name="StockIssuedDuringPeriodIncomeAttributableToNonControllingInterests" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DisclosureReserveForLossesAndLossAdjustmentExpensesAbstract" name="DisclosureReserveForLossesAndLossAdjustmentExpensesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ReserveForLossesAndLossAdjustmentExpensesDisclosureTextBlock" name="ReserveForLossesAndLossAdjustmentExpensesDisclosureTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DisclosureDividendsAbstract" name="DisclosureDividendsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DividendsTextBlock" name="DividendsTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DisclosureNetWorthForRegulatoryPurposesAbstract" name="DisclosureNetWorthForRegulatoryPurposesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NetWorthForRegulatoryPurposesTextBlock" name="NetWorthForRegulatoryPurposesTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DisclosureFairValueAndCertainRisksAndUncertaintiesAbstract" name="DisclosureFairValueAndCertainRisksAndUncertaintiesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_FairValueAndCertainRisksAndUncertaintiesDisclosuresTextBlock" name="FairValueAndCertainRisksAndUncertaintiesDisclosuresTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_DisclosureLeasesAbstract" name="DisclosureLeasesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_LoanPayablePolicyTextBlock" name="LoanPayablePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NonControllingInterestsPolicyTextBlock" name="NonControllingInterestsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_UnearnedPremiumsCededPolicyTextBlock" name="UnearnedPremiumsCededPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_FutureAdoptionOfNewAccountingPronouncementsPolicyTextBlock" name="FutureAdoptionOfNewAccountingPronouncementsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ScheduleOfOtherLeaseInformationTableTextBlock" name="ScheduleOfOtherLeaseInformationTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_AccountingPoliciesTable" name="AccountingPoliciesTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="OXBR_OtherLiabilitiesAffiliateCurrent" name="OtherLiabilitiesAffiliateCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_CombinedEffectiveOfferingPrice" name="CombinedEffectiveOfferingPrice" nillable="true" xbrli:periodType="instant" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_PercentageOfPlacementAgentCashFee" name="PercentageOfPlacementAgentCashFee" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_StatementsOfIncomeLocationBalanceAxis" name="StatementsOfIncomeLocationBalanceAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="OXBR_StatementsOfIncomeLocationBalanceDomain" name="StatementsOfIncomeLocationBalanceDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NetWorthForRegulatoryPurposesTextBlockAbstract" name="NetWorthForRegulatoryPurposesTextBlockAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NetWorthForRegulatoryPurposesTextBlockTable" name="NetWorthForRegulatoryPurposesTextBlockTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="OXBR_StatutoryAccountingPracticeStatutoryCapitalAndSurplusRequired" name="StatutoryAccountingPracticeStatutoryCapitalAndSurplusRequired" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_NumberOfOperatingLeaseAgreements" name="NumberOfOperatingLeaseAgreements" nillable="true" xbrli:periodType="duration" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_InterestAndGainOnRedemptionOfLoanReceivable" name="InterestAndGainOnRedemptionOfLoanReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ReclassificationOfOtherLiabilitiesAbstract" name="ReclassificationOfOtherLiabilitiesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ReclassificationToMezzanineEquity" name="ReclassificationToMezzanineEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_IncentiveTechnologyOriginationAndManagementFee" name="IncentiveTechnologyOriginationAndManagementFee" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_TypTapMember" name="TypTapMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
