Home Insurance in Cache, Oklahoma
With a median home value of $162,700, Cache is close to the Comanche County median.
The typical home in Cache was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 8 points below Comanche County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cache is 85% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 64% of owner-occupied homes in Cache have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Cache are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cache - 59% - are primarily heated with electricity.
What's the biggest home insurance risk near Cache? FEMA's National Risk Index points to strong wind (Relatively High) in Comanche County and Comanche County had 491 active NFIP flood policies as of September 2026. See the full Comanche 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 | $162,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Comanche County | 491 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)