Home Insurance in Beckham County, Oklahoma
With a median home value of $143,500, Beckham County is 28% lower than the Oklahoma median.
The typical home in Beckham County was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 5 points above Oklahoma's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beckham County is 69% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
43% of owner-occupied homes in Beckham County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Beckham County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Beckham County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), winter weather (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Beckham County.
Beckham County had 8 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.
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 | $143,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 8 |
| 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)