Home Insurance in Arapaho, Oklahoma
The median home value in Arapaho is $118,800, 35% lower than the Custer County median.
The typical home in Arapaho was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 4 points below Custer County's 21%.
The housing stock in Arapaho is 75% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Arapaho have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Arapaho are owner-occupied.
In Arapaho, 54% of homes are primarily heated with natural gas.
Custer County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Custer County had 13 active NFIP flood policies as of September 2026. See the full Custer 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 | $118,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Custer County | 13 |
| 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)