Home Insurance in Bartlesville, Oklahoma
With a median home value of $167,200, Bartlesville is close to the Washington County median.
The typical home in Bartlesville was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, in line with Washington County (34%).
The housing stock in Bartlesville is 81% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
54% of owner-occupied homes in Bartlesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bartlesville has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
71% of homes in Bartlesville are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Washington County had 193 active NFIP flood policies as of September 2026. See the full Washington 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 | $167,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Washington County | 193 |
| 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)