Home Insurance in Arnett, Oklahoma
The median home value in Arnett is $81,500, 32% lower than the Ellis County median.
The typical home in Arnett was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 12 points above Ellis County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arnett is 85% single-family homes and 15% mobile or manufactured homes.
In Arnett, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Arnett are owner-occupied.
Most homes in Arnett - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Arnett? FEMA's National Risk Index points to wildfire (Relatively Low) in Ellis County and Ellis County has no active NFIP flood policies on file. See the full Ellis County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $81,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)