Home Insurance in Carnegie, Oklahoma
The median home value in Carnegie is $79,600, 31% lower than the Caddo County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Carnegie was built around 1966. About 40% of homes were built before 1960, about 10 points above Caddo County's 31%.
The housing stock in Carnegie is 85% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Carnegie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Carnegie are owner-occupied.
Most homes in Carnegie - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Carnegie? 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 | $79,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)