Home Insurance in Choctaw County, Oklahoma
With a median home value of $126,500, Choctaw County is 37% 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 Choctaw County was built around 1982. About 16% of homes were built before 1960, about 5 points below 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 Choctaw County is 74% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
39% of owner-occupied homes in Choctaw County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Choctaw County has an owner-occupancy rate of 66% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Choctaw County, 67% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Choctaw County, per FEMA's National Risk Index, are tornado (Relatively Moderate), hail (Relatively Low) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Choctaw County has 26 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 | $126,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 26 |
| 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)