Home Insurance in Blair, Oklahoma
The median home value in Blair is $88,900, 44% lower than the Jackson County median.
The typical home in Blair was built around 1972. About 33% of homes were built before 1960, about 4 points above Jackson County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blair is 93% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
33% of owner-occupied homes in Blair carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blair has an owner-occupancy rate of 49% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Blair, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Blair? FEMA's National Risk Index points to strong wind (Very High) in Jackson County and Jackson County had 32 active NFIP flood policies as of September 2026. See the full Jackson 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 | $88,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jackson County | 32 |
| 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)