Home Insurance in Bixby, Oklahoma
The median home value in Bixby is $334,200, 45% higher than the Tulsa County median.
The typical home in Bixby was built around 2002. About 4% of homes were built before 1960, about 19 points below Tulsa County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bixby breaks down to 85% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Bixby, about 65% 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 76% of occupied homes in Bixby are owner-occupied.
75% of homes in Bixby are primarily heated with natural gas.
What's the biggest home insurance risk near Bixby? FEMA's National Risk Index points to strong wind (Very High) in Tulsa County and Tulsa County had 1,783 active NFIP flood policies as of September 2026. See the full Tulsa 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 | $334,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Tulsa County | 1,783 |
| 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)