Home Insurance in Randlett, Oklahoma
Homes in Randlett carry a median value of $88,000 - 23% lower than the Cotton County median.
The typical home in Randlett was built around 1975. About 16% of homes were built before 1960, about 18 points below Cotton County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Randlett is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Randlett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Randlett has an owner-occupancy rate of 86% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
In Randlett, 86% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cotton County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Cotton County had 8 active NFIP flood policies as of September 2026. See the full Cotton 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 | $88,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Cotton County | 8 |
| 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)