Home Insurance in Geronimo, Oklahoma
The median home value in Geronimo is $93,500, 43% lower than the Comanche County median.
The typical home in Geronimo was built around 1987. About 12% of homes were built before 1960, about 10 points below Comanche County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Geronimo is 76% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
57% of owner-occupied homes in Geronimo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Geronimo has an owner-occupancy rate of 78% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Geronimo - 61% - are primarily heated with electricity.
Comanche County had 491 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $93,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)