Home Insurance in Cherokee County, Oklahoma
Homes in Cherokee County carry a median value of $168,500 - 16% lower than the Oklahoma median.
The typical home in Cherokee County was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 11 points below Oklahoma's 21%.
In Cherokee County, the housing stock is 66% single-family homes, 9% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Cherokee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Cherokee County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Cherokee County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Cherokee County's top hazards are wildfire (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cherokee County has 92 active NFIP flood policies on file.
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 | $168,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 92 |
| 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)