Home Insurance in Caney, Oklahoma
The median home value in Caney is $128,100, 19% lower than the Atoka County median.
The typical home in Caney was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 3 points above Atoka County's 15%.
The housing stock in Caney is 78% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Caney, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Caney has an owner-occupancy rate of 60% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Caney - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Atoka County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Atoka 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 | $128,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Atoka County | 1 |
| 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)