Home Insurance in Coal County, Oklahoma
The median home value in Coal County is $115,700, 42% 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 Coal County was built around 1976. About 25% of homes were built before 1960, about 4 points above Oklahoma's 21%.
The housing stock in Coal County is 84% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Coal County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coal County has an owner-occupancy rate of 69% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
44% of homes in Coal County 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.
Per FEMA's National Risk Index, Coal County's top hazards are hail (Relatively High), wildfire (Relatively Low) and tornado (Relatively Low).
As of September 2026, Coal County has 4 active NFIP flood insurance policies. 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 | $115,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| 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)