Home Insurance in Hunter, Oklahoma
Homes in Hunter carry a median value of $94,200 - 41% lower than the Garfield County median.
The typical home in Hunter was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 23 points above Garfield County's 36%.
Housing in Hunter breaks down to 100% single-family homes.
20% of owner-occupied homes in Hunter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Hunter are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Hunter are primarily heated with electricity.
Garfield County had 108 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Garfield 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 | $94,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)