Home Insurance in Pittsburg, Oklahoma
The median home value in Pittsburg is $69,400, 56% 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 Pittsburg was built around 1977. About 28% of homes were built before 1960, about 5 points above Pittsburg County's 22%.
The housing stock in Pittsburg is 77% single-family homes and 23% 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 Pittsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Pittsburg are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pittsburg, 48% of homes are primarily heated with electricity.
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.
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 | $69,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pittsburg County | 79 |
| 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)