Home Insurance in Quapaw, Oklahoma
With a median home value of $72,200, Quapaw is 41% lower than the Ottawa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Quapaw was built around 1974. About 31% of homes were built before 1960, in line with Ottawa County (32%).
The housing stock in Quapaw is 75% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Quapaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Quapaw are owner-occupied.
59% of homes in Quapaw 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.
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 | $72,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)