Home Insurance in Temple, Oklahoma
The median home value in Temple is $51,600, 55% lower than the Cotton County median.
The typical home in Temple was built around 1959. About 51% of homes were built before 1960, about 17 points above Cotton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Temple, the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 16% of owner-occupied homes in Temple have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Temple has an owner-occupancy rate of 78% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Temple - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Temple? FEMA's National Risk Index points to wildfire (Relatively Low) in Cotton County and 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 | $51,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)