Home Insurance in Jefferson, Oklahoma
With a median home value of $137,500, Jefferson is 30% higher than the Grant County median.
The typical home in Jefferson was built around 1973. About 33% of homes were built before 1960, about 8 points below Grant County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jefferson is 100% single-family homes.
Almost no owner-occupied homes in Jefferson carry a mortgage.
Jefferson has an owner-occupancy rate of 100% and a vacancy rate of 56%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson - 75% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grant County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Grant County had 4 active NFIP flood policies as of September 2026. See the full Grant County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $137,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grant County | 4 |
| 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)