Home Insurance in Fort Cobb, Oklahoma
Homes in Fort Cobb carry a median value of $84,200 - 27% 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 Fort Cobb was built around 1968. About 28% of homes were built before 1960, about 3 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 Fort Cobb is 80% single-family homes and 13% mobile or manufactured homes.
About 29% of owner-occupied homes in Fort Cobb have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Fort Cobb are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fort Cobb, 61% of homes are primarily heated with natural gas.
Caddo County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $84,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)