Home Insurance in Comanche County, Oklahoma
Homes in Comanche County carry a median value of $163,800 - 18% lower than the Oklahoma median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Comanche County was built around 1977. About 22% of homes were built before 1960, about 1 point above 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 Comanche County is 77% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 58% of owner-occupied homes in Comanche County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Comanche County has an owner-occupancy rate of 56% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Comanche County, 54% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively High) and hail (Relatively Moderate) as the leading hazards for Comanche County.
As of September 2026, Comanche County has 491 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 | $163,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 491 |
| 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)