Home Insurance in Colbert, Oklahoma
The median home value in Colbert is $104,300, 40% lower than the Bryan County median.
The typical home in Colbert was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 2 points above Bryan County's 13%.
The housing stock in Colbert is 67% single-family homes, 1% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Colbert, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Colbert has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Colbert - 63% - are primarily heated with electricity.
Bryan County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $104,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)