Home Insurance in Verden, Oklahoma
With a median home value of $100,000, Verden is 51% lower than the Grady County median.
The typical home in Verden was built around 1967. About 36% of homes were built before 1960, about 13 points above Grady County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Verden is 88% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Verden, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Verden are owner-occupied.
In Verden, 66% of homes 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.
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 | $100,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)