Home Insurance in Gould, Oklahoma
The median home value in Gould is $59,000, 26% lower than the Harmon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gould was built around 1968. About 37% of homes were built before 1960, about 6 points below Harmon County's 43%.
In Gould, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
3% of owner-occupied homes in Gould carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Gould are owner-occupied.
Most homes in Gould - 82% - are primarily heated with natural gas.
Harmon County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Harmon County had 5 active NFIP flood policies as of September 2026. See the full Harmon 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 | $59,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Harmon County | 5 |
| 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)