Home Insurance in Chelsea, Oklahoma
The median home value in Chelsea is $109,800, 54% lower than the Rogers County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chelsea was built around 1971. About 34% of homes were built before 1960, about 24 points above Rogers County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chelsea is 74% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Chelsea, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Chelsea are owner-occupied.
66% of homes in Chelsea are primarily heated with natural gas.
FEMA rates Rogers County's overall risk as Relatively Low, led by wildfire (Relatively Low). 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 | $109,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)