Home Insurance in Piedmont, Oklahoma
Homes in Piedmont carry a median value of $330,100 - 34% higher than the Canadian County median.
The typical home in Piedmont was built around 2001. About 2% of homes were built before 1960, about 6 points below Canadian County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Piedmont is 98% single-family homes.
About 59% of owner-occupied homes in Piedmont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Piedmont has an owner-occupancy rate of 91% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Piedmont - 56% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Canadian County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.
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 | $330,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)