Home Insurance in Fairland, Oklahoma
With a median home value of $90,200, Fairland is 27% lower than the Ottawa County median.
The typical home in Fairland was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 5 points above Ottawa County's 32%.
The housing stock in Fairland is 82% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairland, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairland has an owner-occupancy rate of 62% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Fairland - 59% - are primarily heated with natural gas.
FEMA rates Ottawa County's overall risk as Relatively Low, led by strong wind (Relatively High). Ottawa County had 223 active NFIP flood policies as of September 2026. See the full Ottawa 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 | $90,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ottawa County | 223 |
| 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)