Home Insurance in Paoli, Oklahoma
With a median home value of $87,000, Paoli is 41% lower than the Garvin County median.
The typical home in Paoli was built around 1970. About 27% of homes were built before 1960, in line with Garvin County (27%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Paoli, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 43% of owner-occupied homes in Paoli have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Paoli are owner-occupied.
In Paoli, 81% of homes are primarily heated with electricity.
Garvin County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Garvin County had 102 active NFIP flood policies as of September 2026. See the full Garvin 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 | $87,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Garvin County | 102 |
| 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)