Home Insurance in Calera, Oklahoma
The median home value in Calera is $157,600, 10% lower than the Bryan County median.
The typical home in Calera was built around 2001. About 2% of homes were built before 1960, about 11 points below Bryan County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Calera is 58% single-family homes, 8% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Calera carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 47% of occupied homes in Calera are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Calera, 76% of homes 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.
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 | $157,600 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)