Home Insurance in Jenks, Oklahoma
With a median home value of $327,100, Jenks is 42% higher than the Tulsa County median.
The typical home in Jenks was built around 2006. About 4% of homes were built before 1960, about 19 points below Tulsa County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jenks, the housing stock is 89% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Jenks, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jenks has an owner-occupancy rate of 78% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Jenks - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Jenks? 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 | $327,100 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)