Home Insurance in Taloga, Oklahoma
Homes in Taloga carry a median value of $115,600 - 13% lower than the Dewey County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Taloga was built around 1975. About 27% of homes were built before 1960, about 4 points below Dewey County's 32%.
The housing stock in Taloga is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Taloga carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Taloga has an owner-occupancy rate of 76% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
49% of homes in Taloga are primarily heated with natural gas.
Dewey County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Dewey County has no active NFIP flood policies on file. See the full Dewey 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 | $115,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)