Home Insurance in Enid, Oklahoma
With a median home value of $154,900, Enid is close to the Garfield County median.
The typical home in Enid was built around 1969. About 37% of homes were built before 1960, about 1 point above Garfield County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Enid breaks down to 81% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 52% of owner-occupied homes in Enid have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Enid are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Enid are primarily heated with natural gas.
What's the biggest home insurance risk near Enid? FEMA's National Risk Index points to hail (Relatively Moderate) in Garfield County and Garfield County had 108 active NFIP flood policies as of September 2026. See the full Garfield 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 | $154,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Garfield County | 108 |
| 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)