Home Insurance in Chattanooga, Oklahoma
Homes in Chattanooga carry a median value of $113,700 - 31% lower than the Comanche County median.
The typical home in Chattanooga was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 12 points above Comanche County's 22%.
The housing stock in Chattanooga is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chattanooga, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chattanooga has an owner-occupancy rate of 71% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Chattanooga, 72% of homes 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.
Comanche County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $113,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)