Home Insurance in Oklahoma County, Oklahoma
With a median home value of $222,900, Oklahoma County is 12% higher than the Oklahoma median.
The typical home in Oklahoma County was built around 1978. About 24% of homes were built before 1960, about 3 points above Oklahoma's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Oklahoma County breaks down to 73% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Oklahoma County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oklahoma County has an owner-occupancy rate of 58% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
59% of homes in Oklahoma County are primarily heated with natural gas.
Per FEMA's National Risk Index, Oklahoma County's top hazards are hail (Very High), tornado (Very High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Oklahoma County has 1,482 active NFIP flood policies on file.
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 | $222,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Tornado (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,482 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arcadia
- Bethany
- Choctaw
- Edmond
- Forest Park
- Harrah
- Jones
- Luther
- Midwest City
- Nichols Hills
- Nicoma Park
- Oklahoma City
- Smith Village
- Spencer
- The Village
- Valley Brook
- Warr Acres
- Woodlawn Park
Smaller communities
-
Del City
- Median home value: $126,800
- Median year built: 1964
- Owner-occupied share: 56%
-
Lake Aluma
- Median home value: $1,163,500
- Median year built: 1965
- Owner-occupied share: 100%
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)