Home Insurance in Burbank, Oklahoma
With a median home value of $38,800, Burbank is 79% lower than the Osage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Burbank was built around 1978. About 45% of homes were built before 1960, about 21 points above Osage County's 23%.
The housing stock in Burbank is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 10% of owner-occupied homes in Burbank have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Burbank are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Burbank, 47% of homes are primarily heated with natural gas.
FEMA rates Osage County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Osage County had 70 active NFIP flood policies as of September 2026. See the full Osage 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 | $38,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Osage County | 70 |
| 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)