Home Insurance in Friendship, Oklahoma
With a median home value of $112,500, Friendship is 29% lower than the Jackson County median.
The typical home in Friendship was built around 1978. About 20% of homes were built before 1960, about 9 points below Jackson County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Friendship breaks down to 100% single-family homes.
About 12% of owner-occupied homes in Friendship have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Friendship has an owner-occupancy rate of 89% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Friendship - 67% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jackson County's overall risk as Relatively Moderate, led by strong wind (Very High). 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 | $112,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)