HomeInsuranceQts

Home Insurance in Indianola, Oklahoma

With a median home value of $82,500, Indianola is 47% lower than the Pittsburg County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Indianola was built around 1968. About 46% of homes were built before 1960, about 24 points above Pittsburg County's 22%.

The housing stock in Indianola is 90% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Indianola, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Indianola has an owner-occupancy rate of 89% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

In Indianola, 61% of homes are primarily heated with natural gas.

FEMA rates Pittsburg County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Pittsburg County had 79 active NFIP flood policies as of September 2026. See the full Pittsburg 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$82,500
Median year built1968
Owner-occupied share89%
Share of owner-occupied homes with a mortgage20%
Top county hazardWildfire (Relatively Moderate)
Active NFIP policies in Pittsburg County79
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Indianola, OK

Nearby towns

Sources

Data last updated: 2026-09-29