Home Insurance in Salina, Oklahoma
The median home value in Salina is $98,300, 48% lower than the Mayes County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Salina was built around 1977. About 14% of homes were built before 1960, about 3 points below Mayes County's 17%.
In Salina, the housing stock is 65% single-family homes, 9% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Salina have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Salina are owner-occupied.
Most homes in Salina - 59% - are primarily heated with natural gas.
FEMA rates Mayes County's overall risk as Relatively Low, led by strong wind (Relatively High). Mayes County had 81 active NFIP flood policies as of September 2026. See the full Mayes County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $98,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Mayes County | 81 |
| 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)