Home Insurance in Ardmore, Oklahoma
The median home value in Ardmore is $170,000, close to the Carter County median.
The typical home in Ardmore was built around 1971. About 41% of homes were built before 1960, about 11 points above Carter County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ardmore, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ardmore, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Ardmore are owner-occupied.
53% of homes in Ardmore are primarily heated with electricity.
Carter County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Carter County had 40 active NFIP flood policies as of September 2026. See the full Carter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $170,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Carter County | 40 |
| 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)