Home Insurance in Burlington, Oklahoma
The median home value in Burlington is $107,800, 6% higher than the Alfalfa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Burlington was built around 1965. About 43% of homes were built before 1960, about 8 points below Alfalfa County's 51%.
Housing in Burlington breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Burlington, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Burlington are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Burlington - 57% - are primarily heated with natural gas.
FEMA rates Alfalfa County's overall risk as Very Low, led by hail (Relatively Low). Alfalfa County had 34 active NFIP flood policies as of September 2026. See the full Alfalfa County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $107,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Alfalfa County | 34 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)