Home Insurance in Lawton, Oklahoma
With a median home value of $142,100, Lawton is 13% lower than the Comanche County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lawton was built around 1973. About 25% of homes were built before 1960, about 3 points above Comanche County's 22%.
The housing stock in Lawton is 73% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Lawton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Lawton are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lawton - 52% - are primarily heated with electricity.
FEMA rates Comanche County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $142,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)