Home Insurance in Tullahassee, Oklahoma
With a median home value of $210,300, Tullahassee is 10% lower than the Wagoner County median.
The typical home in Tullahassee was built around 1991. About 29% of homes were built before 1960, about 23 points above Wagoner County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tullahassee is 51% single-family homes and 47% mobile or manufactured homes.
In Tullahassee, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tullahassee has an owner-occupancy rate of 55% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Tullahassee, 54% of homes are primarily heated with electricity.
Wagoner County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Wagoner County had 244 active NFIP flood policies as of September 2026. 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 | $210,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)