Home Insurance in Horntown, Oklahoma
Homes in Horntown carry a median value of $230,000 - 125% higher than the Hughes County median.
The typical home in Horntown was built around 1982. About 3% of homes were built before 1960, about 38 points below Hughes County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Horntown is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Horntown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Horntown has an owner-occupancy rate of 88% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Horntown - 52% - 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.
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.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $230,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)