Home Insurance in Cement, Oklahoma
The median home value in Cement is $47,900, 59% lower than the Caddo County median.
The typical home in Cement was built around 1957. About 58% of homes were built before 1960, about 28 points above Caddo County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cement, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in Cement carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Cement are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cement, 71% 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.
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 | $47,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)