Home Insurance in Wetumka, Oklahoma
With a median home value of $76,000, Wetumka is 25% lower than the Hughes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wetumka was built around 1961. About 49% of homes were built before 1960, about 8 points above Hughes County's 41%.
In Wetumka, the housing stock is 80% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 12% of owner-occupied homes in Wetumka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Wetumka are owner-occupied.
In Wetumka, 66% of homes 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 | $76,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)