Home Insurance in Delaware County, Oklahoma
The median home value in Delaware County is $175,300, 12% lower than the Oklahoma median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Delaware County was built around 1987. About 11% of homes were built before 1960, about 10 points below Oklahoma's 21%.
In Delaware County, the housing stock is 69% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Delaware County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Delaware County has an owner-occupancy rate of 77% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Delaware County - 55% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Delaware County's top hazards are wildfire (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate).
As of September 2026, Delaware County has 100 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $175,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 100 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)