Home Insurance in Owasso, Oklahoma
With a median home value of $243,100, Owasso is 6% higher than the Tulsa County median.
The typical home in Owasso was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 20 points below Tulsa County's 23%.
In Owasso, the housing stock is 75% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Owasso have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Owasso are owner-occupied.
In Owasso, 68% of homes are primarily heated with natural gas.
FEMA rates Tulsa County's overall risk as Relatively High, led by strong wind (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $243,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)