Home Insurance in Erick, Oklahoma
Homes in Erick carry a median value of $82,300 - 43% lower than the Beckham County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Erick was built around 1965. About 40% of homes were built before 1960, about 14 points above Beckham County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Erick is 82% single-family homes and 12% mobile or manufactured homes.
In Erick, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Erick has an owner-occupancy rate of 68% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Erick - 52% - are primarily heated with natural gas.
Beckham County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Beckham 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 | $82,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Beckham County | 8 |
| 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)