Home Insurance in Claremore, Oklahoma
With a median home value of $188,700, Claremore is 22% lower than the Rogers County median.
The typical home in Claremore was built around 1982. About 18% of homes were built before 1960, about 8 points above Rogers County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Claremore is 74% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Claremore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Claremore has an owner-occupancy rate of 53% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
65% of homes in Claremore are primarily heated with natural gas.
What's the biggest home insurance risk near Claremore? FEMA's National Risk Index points to wildfire (Relatively Low) in Rogers County and 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.
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 | $188,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)