Home Insurance in Sterling, Oklahoma
With a median home value of $131,900, Sterling is 19% lower than the Comanche County median.
The typical home in Sterling was built around 1974. About 26% of homes were built before 1960, about 4 points above Comanche County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sterling, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Sterling have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Sterling are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Sterling are primarily heated with natural gas.
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.
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 | $131,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)