Home Insurance in Calumet, Oklahoma
The median home value in Calumet is $106,300, 57% lower than the Canadian County median.
The typical home in Calumet was built around 1974. About 37% of homes were built before 1960, about 29 points above Canadian County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Calumet is 73% single-family homes and 24% mobile or manufactured homes.
In Calumet, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Calumet are owner-occupied.
Most homes in Calumet - 53% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Canadian County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Canadian County had 257 active NFIP flood policies as of September 2026. See the full Canadian 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 | $106,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Canadian County | 257 |
| 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)