Home Insurance in Byron, Oklahoma
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Byron was built around 2001. About 8% of homes were built before 1960, about 43 points below Alfalfa County's 51%.
The housing stock in Byron is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Byron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Byron has an owner-occupancy rate of 100% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Byron - 89% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Byron? FEMA's National Risk Index points to hail (Relatively Low) in Alfalfa County and Alfalfa County had 34 active NFIP flood policies as of September 2026. See the full Alfalfa 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 year built | 2001 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Alfalfa County | 34 |
| 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)