HomeInsuranceQts

Home Insurance in Jones, Oklahoma

The median home value in Jones is $219,300, close to the Oklahoma County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jones was built around 1976. About 30% of homes were built before 1960, about 6 points above Oklahoma County's 24%.

In Jones, the housing stock is 89% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Jones, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Jones are owner-occupied.

50% of homes in Jones are primarily heated with electricity.

Oklahoma County had 1,482 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Oklahoma 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$219,300
Median year built1976
Owner-occupied share71%
Share of owner-occupied homes with a mortgage56%
Top county hazardHail (Very High)
Active NFIP policies in Oklahoma County1,482
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Jones, OK

Nearby towns

Sources

Data last updated: 2026-09-29