Home Insurance in Osage County, Oklahoma
With a median home value of $182,100, Osage County is 9% lower than the Oklahoma median.
The typical home in Osage County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 2 points above Oklahoma's 21%.
In Osage County, the housing stock is 79% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Osage County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Osage County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Osage County, 42% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Osage County's top hazards are wildfire (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
Osage County had 70 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $182,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 70 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Avant
- Barnsdall
- Burbank
- Fairfax
- Foraker
- Grainola
- Hominy
- Osage
- Pawhuska
- Prue
- Shidler
- Webb City
- Wynona
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)