Home Insurance in Chickasha, Oklahoma
With a median home value of $130,300, Chickasha is 37% lower than the Grady County median.
The typical home in Chickasha was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 18 points above Grady County's 23%.
In Chickasha, the housing stock is 77% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Chickasha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Chickasha are owner-occupied.
52% of homes in Chickasha are primarily heated with natural gas.
Grady County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Grady County had 123 active NFIP flood policies as of September 2026. See the full Grady 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 | $130,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)