Home Insurance in Verdigris, Oklahoma
The median home value in Verdigris is $229,100, close to the Rogers County median.
The typical home in Verdigris was built around 2003. About 1% of homes were built before 1960, about 9 points below Rogers County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Verdigris is 88% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Verdigris, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Verdigris has an owner-occupancy rate of 86% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Verdigris - 83% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $229,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)