Home Insurance in Osage, Oklahoma
Homes in Osage carry a median value of $42,500 - 77% lower than the Osage County median.
The typical home in Osage was built around 1977. About 24% of homes were built before 1960, in line with Osage County (23%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Osage is 61% single-family homes, 3% apartments in buildings with 5+ units and 31% mobile or manufactured homes.
In Osage, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Osage are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Osage, 43% of homes are primarily heated with electricity.
Osage County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $42,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)