Home Insurance in Atwood, Oklahoma
With a median home value of $77,500, Atwood is 24% lower than the Hughes County median.
The typical home in Atwood was built around 1968. About 44% of homes were built before 1960, about 3 points above Hughes County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Atwood is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Atwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Atwood are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Atwood are primarily heated with electricity.
Hughes County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Hughes County had 7 active NFIP flood policies as of September 2026. See the full Hughes 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 | $77,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hughes County | 7 |
| 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)