Home Insurance in Waukomis, Oklahoma
Homes in Waukomis carry a median value of $149,000 - 7% lower than the Garfield County median.
The typical home in Waukomis was built around 1975. About 25% of homes were built before 1960, about 11 points below Garfield County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Waukomis is 91% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 49% of owner-occupied homes in Waukomis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waukomis has an owner-occupancy rate of 89% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Waukomis, 59% of homes are primarily heated with electricity.
FEMA rates Garfield County's overall risk as Relatively Moderate, led by hail (Relatively Moderate). 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.
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 | $149,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)