Home Insurance in Clinton, Oklahoma
With a median home value of $119,400, Clinton is 34% lower than the Custer County median.
The typical home in Clinton was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 13 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 Clinton is 84% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 53% of owner-occupied homes in Clinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Clinton are owner-occupied.
63% of homes in Clinton 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.
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 | $119,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)