Home Insurance in Texola, Oklahoma
Homes in Texola carry a median value of $335,700 - 134% higher than the Beckham County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Texola was built around 1974. About 15% of homes were built before 1960, about 11 points below 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 Texola is 80% single-family homes and 20% mobile or manufactured homes.
About 78% of owner-occupied homes in Texola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Texola has an owner-occupancy rate of 90% and a vacancy rate of 50%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 70% of homes in Texola are primarily heated with natural gas.
What's the biggest home insurance risk near Texola? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Beckham County and Beckham County had 8 active NFIP flood policies as of September 2026. 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 | $335,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)