Home Insurance in Sperry, Oklahoma
The median home value in Sperry is $109,500, 52% lower than the Tulsa County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sperry was built around 1977. About 31% of homes were built before 1960, about 8 points above Tulsa County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sperry is 71% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
About 46% of owner-occupied homes in Sperry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sperry has an owner-occupancy rate of 72% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
59% of homes in Sperry 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.
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 | $109,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)