Home Insurance in Fairfax, Oklahoma
With a median home value of $59,300, Fairfax is 67% lower than the Osage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fairfax was built around 1953. About 57% of homes were built before 1960, about 34 points above Osage County's 23%.
In Fairfax, the housing stock is 94% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 25% of owner-occupied homes in Fairfax have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fairfax has an owner-occupancy rate of 85% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Fairfax, 74% of homes are primarily heated with natural gas.
Osage County had 70 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $59,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)