Home Insurance in El Reno, Oklahoma
Homes in El Reno carry a median value of $165,900 - 33% lower than the Canadian County median.
The typical home in El Reno was built around 1968. About 43% of homes were built before 1960, about 35 points above Canadian County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In El Reno, the housing stock is 82% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in El Reno carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in El Reno are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In El Reno, 56% of homes are primarily heated with natural gas.
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 | $165,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)