Home Insurance in Prue, Oklahoma
Homes in Prue carry a median value of $119,600 - 34% 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 Prue was built around 1997. About 6% of homes were built before 1960, about 18 points below Osage County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Prue is 46% single-family homes and 54% mobile or manufactured homes.
37% of owner-occupied homes in Prue carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Prue are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Prue - 66% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $119,600 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)