Home Insurance in Tushka, Oklahoma
Homes in Tushka carry a median value of $119,400 - 24% lower than the Atoka County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tushka was built around 1981. About 7% of homes were built before 1960, about 8 points below Atoka County's 15%.
In Tushka, the housing stock is 52% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tushka, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 28% of occupied homes in Tushka are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tushka, 44% of homes are primarily heated with electricity.
FEMA rates Atoka County's overall risk as Very Low, led by hail (Relatively High). 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 | $119,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 28% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)