HomeInsuranceQts

Home Insurance in Rosedale, Oklahoma

With a median home value of $106,300, Rosedale is 58% lower than the McClain County median.

The typical home in Rosedale was built around 1958. About 54% of homes were built before 1960, about 45 points above McClain County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Rosedale, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

47% of owner-occupied homes in Rosedale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Rosedale has an owner-occupancy rate of 71% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.

Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Rosedale are primarily heated with electricity.

FEMA rates McClain County's overall risk as Relatively Low, led by tornado (Relatively Moderate). McClain County had 74 active NFIP flood policies as of September 2026. See the full McClain 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$106,300
Median year built1958
Owner-occupied share71%
Share of owner-occupied homes with a mortgage47%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in McClain County74
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Rosedale, OK

Nearby towns

Sources

Data last updated: 2026-09-29