Home Insurance in Dickson, Oklahoma
With a median home value of $201,300, Dickson is 19% higher than the Carter County median.
The typical home in Dickson was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 14 points below Carter County's 30%.
The housing stock in Dickson is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Dickson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dickson has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Dickson, 80% of homes are primarily heated with electricity.
Carter County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Carter 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 | $201,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)