Home Insurance in Durant, Oklahoma
With a median home value of $163,200, Durant is 7% lower than the Bryan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Durant was built around 1983. About 21% of homes were built before 1960, about 7 points above Bryan County's 13%.
Housing in Durant breaks down to 71% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 51% of owner-occupied homes in Durant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Durant has an owner-occupancy rate of 46% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Durant - 75% - are primarily heated with electricity.
What's the biggest home insurance risk near Durant? FEMA's National Risk Index points to tornado (Relatively High) in Bryan County and 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.
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 | $163,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)