Home Insurance in Cleveland County, Oklahoma
With a median home value of $235,700, Cleveland County is 18% higher than the Oklahoma median.
The typical home in Cleveland County was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 14 points below Oklahoma's 21%.
The housing stock in Cleveland County is 73% single-family homes, 15% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Cleveland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Cleveland County are owner-occupied.
56% of homes in Cleveland County are primarily heated with natural gas.
The top hazards for Cleveland County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively High) and strong wind (Relatively High).
Cleveland County had 637 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 | $235,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 637 |
| 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)