Home Insurance in Roland, Oklahoma
With a median home value of $139,800, Roland is close to the Sequoyah County median.
The typical home in Roland was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 5 points below Sequoyah County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Roland is 69% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Roland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Roland has an owner-occupancy rate of 54% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
70% of homes in Roland are primarily heated with electricity.
Sequoyah County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Sequoyah County had 87 active NFIP flood policies as of September 2026. See the full Sequoyah 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 | $139,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sequoyah County | 87 |
| 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)