Home Insurance in Tulsa County, Oklahoma
With a median home value of $230,400, Tulsa County is 15% higher than the Oklahoma median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tulsa County was built around 1979. About 23% of homes were built before 1960, about 2 points above Oklahoma's 21%.
In Tulsa County, the housing stock is 71% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in Tulsa County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Tulsa County are owner-occupied.
Most homes in Tulsa County - 62% - are primarily heated with natural gas.
The top hazards for Tulsa County, per FEMA's National Risk Index, are strong wind (Very High), tornado (Very High) and hail (Relatively High).
Tulsa County had 1,783 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $230,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Very High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 1,783 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)