Home Insurance in Beaver County, Oklahoma
The median home value in Beaver County is $130,100, 35% lower than the Oklahoma median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Beaver County was built around 1968. About 38% of homes were built before 1960, about 17 points above Oklahoma's 21%.
In Beaver County, the housing stock is 85% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Beaver County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Beaver County has an owner-occupancy rate of 81% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Beaver County - 59% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Beaver County, per FEMA's National Risk Index, are wildfire (Relatively Low), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Beaver County had 7 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $130,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)