Home Insurance in Hydro, Oklahoma
The median home value in Hydro is $155,100, 34% higher 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 Hydro was built around 1975. About 32% of homes were built before 1960, about 1 point above Caddo County's 31%.
The housing stock in Hydro is 83% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Hydro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hydro has an owner-occupancy rate of 74% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
49% of homes in Hydro 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.
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 | $155,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)