Home Insurance in Oologah, Oklahoma
The median home value in Oologah is $191,700, 20% lower than the Rogers County median.
The typical home in Oologah was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 2 points above Rogers County's 10%.
In Oologah, the housing stock is 80% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Oologah, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Oologah are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Oologah are primarily heated with natural gas.
What's the biggest home insurance risk near Oologah? 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.
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 | $191,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)