Home Insurance in Apache, Oklahoma
Homes in Apache carry a median value of $86,100 - 26% lower than the Caddo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Apache was built around 1952. About 60% of homes were built before 1960, about 30 points above Caddo County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Apache is 88% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Apache, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Apache has an owner-occupancy rate of 71% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Apache, 55% of homes are primarily heated with natural gas.
Caddo County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Caddo 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 | $86,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)