Home Insurance in Cyril, Oklahoma
Homes in Cyril carry a median value of $109,000 - 6% lower than the Caddo County median.
The typical home in Cyril was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 6 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 Cyril is 80% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
53% of owner-occupied homes in Cyril carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Cyril are owner-occupied.
In Cyril, 62% of homes are primarily heated with natural gas.
FEMA rates Caddo County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $109,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)