Home Insurance in Manchester, Oklahoma
The median home value in Manchester is $56,000, 47% lower than the Grant County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manchester was built around 1964. About 39% of homes were built before 1960, about 3 points below Grant County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Manchester is 65% single-family homes and 35% mobile or manufactured homes.
11% of owner-occupied homes in Manchester carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manchester has an owner-occupancy rate of 92% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
48% of homes in Manchester are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grant County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Grant 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 | $56,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grant County | 4 |
| 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)