Home Insurance in Custer City, Oklahoma
Homes in Custer City carry a median value of $59,500 - 67% 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 Custer City was built around 1970. About 29% of homes were built before 1960, about 8 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 Custer City is 70% single-family homes and 28% mobile or manufactured homes.
40% of owner-occupied homes in Custer City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Custer City has an owner-occupancy rate of 69% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
58% of homes in Custer City are primarily heated with electricity.
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 | $59,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)