Home Insurance in Fairview, Oklahoma
The median home value in Fairview is $131,300, 12% lower than the Major County median.
The typical home in Fairview was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 7 points above Major County's 29%.
In Fairview, the housing stock is 87% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Fairview carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Fairview are owner-occupied.
In Fairview, 71% of homes are primarily heated with natural gas.
FEMA rates Major County's overall risk as Very Low, led by hail (Relatively Moderate). Major County had 12 active NFIP flood policies as of September 2026. See the full Major 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 | $131,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Major County | 12 |
| 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)