Home Insurance in Butler, Oklahoma
With a median home value of $92,100, Butler is 49% lower than the Custer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Butler was built around 1977. About 26% of homes were built before 1960, about 5 points above Custer County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Butler is 80% single-family homes and 18% mobile or manufactured homes.
33% of owner-occupied homes in Butler carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Butler are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Butler - 68% - are primarily heated with natural gas.
FEMA rates Custer County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $92,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)