Home Insurance in Buffalo, Oklahoma
The median home value in Buffalo is $88,300, 11% lower than the Harper County median.
The typical home in Buffalo was built around 1965. About 31% of homes were built before 1960, about 7 points below Harper County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Buffalo is 89% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Buffalo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Buffalo has an owner-occupancy rate of 86% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Buffalo, 63% of homes are primarily heated with natural gas.
Harper County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Harper 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 | $88,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Harper County | 1 |
| 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)