Home Insurance in Jefferson County, Oklahoma
Homes in Jefferson County carry a median value of $82,500 - 59% lower than the Oklahoma median.
The typical home in Jefferson County was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 15 points above Oklahoma's 21%.
The housing stock in Jefferson County is 82% single-family homes, 1% 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.
In Jefferson County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Jefferson County are owner-occupied.
49% of homes in Jefferson County are primarily heated with electricity.
Per FEMA's National Risk Index, Jefferson County's top hazards are wildfire (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Low).
As of September 2026, Jefferson County has 4 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $82,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)