Home Insurance in Stringtown, Oklahoma
With a median home value of $106,300, Stringtown is 33% lower than the Atoka County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stringtown was built around 1979. About 20% of homes were built before 1960, about 5 points above Atoka County's 15%.
The housing stock in Stringtown is 67% single-family homes, 4% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Stringtown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Stringtown are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stringtown - 60% - 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's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Atoka County had 1 active NFIP flood policy as of September 2026. See the full Atoka County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $106,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)