Home Insurance in Laverne, Oklahoma
The median home value in Laverne is $115,600, 17% higher than the Harper County median.
The typical home in Laverne was built around 1966. About 44% of homes were built before 1960, about 6 points above Harper County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Laverne is 88% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Laverne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Laverne has an owner-occupancy rate of 76% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Laverne, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Laverne? FEMA's National Risk Index points to wildfire (Relatively Low) in Harper County and Harper County had 1 active NFIP flood policy as of September 2026. See the full Harper 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 | $115,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Harper County | 1 |
| 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)