Home Insurance in Tulsa, Oklahoma
Homes in Tulsa carry a median value of $205,300 - 11% lower than the Tulsa County median.
The typical home in Tulsa was built around 1973. About 30% of homes were built before 1960, about 8 points above Tulsa County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Tulsa breaks down to 65% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 55% of owner-occupied homes in Tulsa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tulsa has an owner-occupancy rate of 52% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
58% of homes in Tulsa 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 | $205,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)