Home Insurance in Sapulpa, Oklahoma
Homes in Sapulpa carry a median value of $171,600 - 6% lower than the Creek County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sapulpa was built around 1977. About 23% of homes were built before 1960, about 8 points above Creek County's 15%.
In Sapulpa, the housing stock is 82% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Sapulpa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sapulpa has an owner-occupancy rate of 66% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Sapulpa - 66% - are primarily heated with natural gas.
FEMA rates Creek County's overall risk as Relatively Moderate, led by hail (Relatively High). Creek County had 110 active NFIP flood policies as of September 2026. See the full Creek 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 | $171,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Creek County | 110 |
| 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)