Home Insurance in Bridgeport, Oklahoma
With a median home value of $62,500, Bridgeport is 46% 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 Bridgeport was built around 1994. About 16% of homes were built before 1960, about 15 points below 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 Bridgeport is 38% single-family homes and 62% mobile or manufactured homes.
About 23% of owner-occupied homes in Bridgeport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bridgeport has an owner-occupancy rate of 63% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Bridgeport are primarily heated with electricity.
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.
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 | $62,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)