Home Insurance in Hughes County, Oklahoma
Homes in Hughes County carry a median value of $102,000 - 49% lower than the Oklahoma median.
The typical home in Hughes County was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 20 points above Oklahoma's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hughes County is 79% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Hughes County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hughes County has an owner-occupancy rate of 74% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Hughes County, 61% of homes 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.
The top hazards for Hughes County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Moderate) and tornado (Relatively Low).
Hughes County had 7 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $102,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Calvin
- Median home value: $90,900
- Median year built: 1973
- Owner-occupied share: 62%
-
Stuart
- Median home value: $89,000
- Median year built: 1980
- Owner-occupied share: 69%
Sources
- 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)