Home Insurance in Caddo, Oklahoma
The median home value in Caddo is $152,100, 13% lower than the Bryan County median.
The typical home in Caddo was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 8 points above Bryan County's 13%.
In Caddo, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Caddo, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Caddo has an owner-occupancy rate of 67% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
76% of homes in Caddo are primarily heated with electricity.
FEMA rates Bryan County's overall risk as Relatively Low, led by tornado (Relatively High). Bryan County had 36 active NFIP flood policies as of September 2026. See the full Bryan County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $152,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Bryan County | 36 |
| 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)