Home Insurance in Okarche, Oklahoma
The median home value in Okarche is $239,000, close to the Canadian County median.
The typical home in Okarche was built around 1979. About 26% of homes were built before 1960, about 18 points above Canadian County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Okarche, the housing stock is 92% single-family homes and 3% mobile or manufactured homes.
In Okarche, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Okarche are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Okarche - 69% - are primarily heated with natural gas.
Canadian County had 257 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $239,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)