Home Insurance in Tamaha, Oklahoma
With a median home value of $87,300, Tamaha is 37% lower than the Haskell County median.
The typical home in Tamaha was built around 1983. About 4% of homes were built before 1960, about 13 points below Haskell County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Tamaha is 85% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Tamaha have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Tamaha are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Tamaha are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Tamaha? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Haskell County and Haskell County had 3 active NFIP flood policies as of September 2026. See the full Haskell 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 | $87,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Haskell County | 3 |
| 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)