Home Insurance in Anadarko, Oklahoma
The median home value in Anadarko is $89,300, 23% lower than the Caddo County median.
The typical home in Anadarko was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 13 points above Caddo County's 31%.
The housing stock in Anadarko is 86% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Anadarko, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Anadarko are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Anadarko are primarily heated with natural gas.
What's the biggest home insurance risk near Anadarko? FEMA's National Risk Index points to hail (Relatively Moderate) in Caddo County and Caddo County had 35 active NFIP flood policies as of September 2026. See the full Caddo 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 | $89,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Caddo County | 35 |
| 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)