Home Insurance in Redbird, Oklahoma
Homes in Redbird carry a median value of $85,700 - 64% lower than the Wagoner County median.
The typical home in Redbird was built around 2000. About 8% of homes were built before 1960, about 1 point above Wagoner County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Redbird is 57% single-family homes and 41% mobile or manufactured homes.
46% of owner-occupied homes in Redbird carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Redbird has an owner-occupancy rate of 83% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Redbird are primarily heated with electricity.
Wagoner County had 244 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Wagoner 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 | $85,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wagoner County | 244 |
| 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)