Home Insurance in Colcord, Oklahoma
With a median home value of $93,600, Colcord is 47% lower than the Delaware County median.
The typical home in Colcord was built around 1974. About 22% of homes were built before 1960, about 12 points above Delaware County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Colcord is 65% single-family homes and 32% mobile or manufactured homes.
In Colcord, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Colcord are owner-occupied.
Most homes in Colcord - 61% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Delaware County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Delaware County had 100 active NFIP flood policies as of September 2026. See the full Delaware 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 | $93,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Delaware County | 100 |
| 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)