Home Insurance in Carter County, Oklahoma
The median home value in Carter County is $168,500, 16% lower than the Oklahoma median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Carter County was built around 1978. About 30% of homes were built before 1960, about 9 points above Oklahoma's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carter County is 80% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
48% of owner-occupied homes in Carter County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Carter County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Carter County, 62% of homes are primarily heated with electricity.
The top hazards for Carter County, per FEMA's National Risk Index, are tornado (Relatively High), hail (Relatively High) and wildfire (Relatively Low).
Carter County had 40 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $168,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 40 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)