Home Insurance in Pittsburg County, Oklahoma
With a median home value of $156,900, Pittsburg County is 21% lower than the Oklahoma median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pittsburg County was built around 1979. About 22% of homes were built before 1960, about 1 point above Oklahoma's 21%.
The housing stock in Pittsburg County is 78% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Pittsburg County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Pittsburg County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Pittsburg County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Pittsburg County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), hail (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pittsburg County has 79 active NFIP flood policies on file.
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 | $156,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 79 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alderson
- Ashland
- Canadian
- Carlton Landing
- Crowder
- Haileyville
- Hartshorne
- Indianola
- Kiowa
- Krebs
- McAlester
- Pittsburg
- Quinton
- Savanna
Sources
- 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)