Homeowners Insurance in Broken Arrow, OK

For a home at Broken Arrow's median value of $250,400, we estimate about $3,005 a year — +21% versus the Oklahoma NAIC average of $2,486.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Broken Arrow

Est. premium

$3,005

$250/mo · median home

Median home value

$250,400

Oklahoma: $199,800

Median year built

1994

Census ACS

Owner-occupied

72.0%

of households

Hazard score

89.3

state ref. 87.7

Broken Arrow's estimate reflects its home values (25% higher than the state median) and FEMA's hazard profile for Tulsa County.

Natural hazard risk in Broken Arrow

FEMA National Risk Index — Tulsa County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	98.4	Comprehensive (car); roof claims (home)
Tornado	Very High	99.1	Comprehensive; dwelling
Hurricane	Very Low	46.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.4	Comprehensive; dwelling
Winter weather	Relatively High	89.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	91.3	Comprehensive; dwelling
Earthquake	Relatively Low	89.9	Home needs a separate earthquake policy
Lightning	Relatively High	91.9	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Broken Arrow

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,510	$2,310
$300,000	$3,475	$3,195
$500,000	$5,225	$4,810
$750,000	$7,230	$6,650

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Broken Arrow

ZIP	Median home value	Owner-occupied	Est. premium
74012	$243,800	66.4%	$2,940
74014	$263,000	87.9%	$3,125
74011	$269,000	78.6%	$3,185

Homeowners insurance in Oklahoma · Car insurance in Broken Arrow · Insurance offices near Broken Arrow

Frequently asked questions

How much is homeowners insurance in Broken Arrow?

For a home at Broken Arrow's median value of $250,400, we estimate about $3,005 a year for a standard HO-3 policy with a $1,000 deductible. The Oklahoma NAIC average is $2,486.

What are the biggest natural hazards in Broken Arrow?

FEMA's National Risk Index rates Tulsa County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Broken Arrow affect insurance?

Yes. The median home in Broken Arrow was built in 1994 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Oklahoma, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Tulsa County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page