Home Insurance in Spaulding, Oklahoma
The typical home in Spaulding was built around 1975. About 42% of homes were built before 1960, about 1 point above Hughes County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Spaulding is 68% single-family homes, 3% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
25% of owner-occupied homes in Spaulding carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Spaulding are owner-occupied.
54% of homes in Spaulding 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.
FEMA rates Hughes County's overall risk as Very Low, led by hail (Relatively Moderate). 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 year built | 1975 |
|---|---|
| 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)