Home Insurance in Jay, Oklahoma
Homes in Jay carry a median value of $107,900 - 38% lower than the Delaware County median.
The typical home in Jay was built around 1976. About 27% of homes were built before 1960, about 16 points above Delaware County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jay, the housing stock is 75% single-family homes, 10% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Jay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jay has an owner-occupancy rate of 61% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
59% of homes in Jay are primarily heated with electricity.
What's the biggest home insurance risk near Jay? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Delaware County and Delaware County had 100 active NFIP flood policies as of September 2026. See the full Delaware 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 | $107,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Delaware County | 100 |
| 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)