Home Insurance in Foraker, Oklahoma
Homes in Foraker carry a median value of $65,000 - 64% lower than the Osage County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Foraker was built around 1983. About 45% of homes were built before 1960, about 22 points above Osage County's 23%.
The housing stock in Foraker is 55% single-family homes and 45% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Foraker carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Foraker has an owner-occupancy rate of 67% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
78% of homes in Foraker are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $65,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)