Home Insurance in Broken Arrow, Oklahoma
Homes in Broken Arrow carry a median value of $250,400 - 9% higher than the Tulsa County median.
The typical home in Broken Arrow was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 19 points below Tulsa County's 23%.
Housing in Broken Arrow breaks down to 82% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Broken Arrow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Broken Arrow are owner-occupied.
Most homes in Broken Arrow - 71% - are primarily heated with natural gas.
Tulsa County had 1,783 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Tulsa 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 | $250,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 72% |
| 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)