Home Insurance in Gerty, Oklahoma
Homes in Gerty carry a median value of $80,000 - 22% lower than the Hughes County median.
The typical home in Gerty was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 9 points below Hughes County's 41%.
The housing stock in Gerty 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.
29% of owner-occupied homes in Gerty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Gerty are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gerty - 56% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hughes County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $80,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)