Home Insurance in Catoosa, Oklahoma
The median home value in Catoosa is $178,800, 26% lower than the Rogers County median.
The typical home in Catoosa was built around 1986. About 10% of homes were built before 1960, in line with Rogers County (10%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Catoosa, the housing stock is 72% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Catoosa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Catoosa has an owner-occupancy rate of 61% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Catoosa - 63% - are primarily heated with natural gas.
Rogers County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Rogers County had 275 active NFIP flood policies as of September 2026. See the full Rogers 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 | $178,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Rogers County | 275 |
| 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)