Home Insurance in Bradley, Oklahoma
With a median home value of $23,100, Bradley is 89% lower than the Grady County median.
The median home in Bradley was built in 1939 or earlier. About 68% of homes were built before 1960, about 45 points above Grady County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bradley is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Bradley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bradley has an owner-occupancy rate of 91% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Bradley - 76% - are primarily heated with natural gas.
Grady County had 123 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Grady 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 | $23,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Grady County | 123 |
| 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)