Home Insurance in East Duke, Oklahoma
With a median home value of $89,400, East Duke is 44% lower than the Jackson County median.
The typical home in East Duke was built around 1970. About 32% of homes were built before 1960, about 4 points above Jackson County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In East Duke, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in East Duke have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in East Duke are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in East Duke are primarily heated with natural gas.
Jackson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Jackson County had 32 active NFIP flood policies as of September 2026. See the full Jackson 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 | $89,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jackson County | 32 |
| 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)