HomeInsuranceQts

Home Insurance in Centrahoma, Oklahoma

With a median home value of $64,000, Centrahoma is 45% lower than the Coal County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Centrahoma was built around 1994. About 12% of homes were built before 1960, about 13 points below Coal County's 25%.

In Centrahoma, the housing stock is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Centrahoma, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Centrahoma are owner-occupied.

81% of homes in Centrahoma are primarily heated with electricity.

Coal County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Coal 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$64,000
Median year built1994
Owner-occupied share90%
Share of owner-occupied homes with a mortgage39%
Top county hazardHail (Relatively High)
Active NFIP policies in Coal County4
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Centrahoma, OK

Nearby towns

Sources

Data last updated: 2026-09-29