Home Insurance in Custer County, Oklahoma
The median home value in Custer County is $181,500, 9% lower than the Oklahoma median.
The typical home in Custer County was built around 1978. About 21% of homes were built before 1960, in line with Oklahoma (21%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Custer County, the housing stock is 69% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Custer County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Custer County are owner-occupied.
In Custer County, 50% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Custer County, per FEMA's National Risk Index, are tornado (Relatively High), hail (Relatively Moderate) and strong wind (Relatively Moderate).
Custer County had 13 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $181,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 13 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)