Home Insurance in Ringling, Oklahoma
Homes in Ringling carry a median value of $74,800 - 9% lower than the Jefferson County median.
The typical home in Ringling was built around 1966. About 38% of homes were built before 1960, about 1 point above Jefferson County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ringling is 79% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ringling, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Ringling are owner-occupied.
In Ringling, 63% of homes are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Very Low, led by wildfire (Relatively Low). Jefferson County had 4 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $74,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jefferson 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)