Home Insurance in Valley Brook, Oklahoma
With a median home value of $72,700, Valley Brook is 67% lower than the Oklahoma County median.
The typical home in Valley Brook was built around 1955. About 76% of homes were built before 1960, about 53 points above Oklahoma County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Valley Brook is 100% single-family homes.
31% of owner-occupied homes in Valley Brook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Valley Brook has an owner-occupancy rate of 51% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Valley Brook - 83% - are primarily heated with natural gas.
FEMA rates Oklahoma County's overall risk as Relatively High, led by hail (Very High). Oklahoma County had 1,482 active NFIP flood policies as of September 2026. See the full Oklahoma County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $72,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Oklahoma County | 1,482 |
| 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)