Home Insurance in Tuttle, Oklahoma
Homes in Tuttle carry a median value of $320,500 - 56% higher than the Grady County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tuttle was built around 1996. About 14% of homes were built before 1960, about 9 points below Grady County's 23%.
Housing in Tuttle breaks down to 93% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
66% of owner-occupied homes in Tuttle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Tuttle are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Tuttle are primarily heated with natural gas.
FEMA rates Grady County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $320,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)