Home Insurance in Eldorado, Oklahoma
The median home value in Eldorado is $34,800, 78% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eldorado was built around 1963. About 43% of homes were built before 1960, about 14 points above Jackson County's 29%.
In Eldorado, the housing stock is 95% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Eldorado, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Eldorado are owner-occupied.
Most homes in Eldorado - 68% - are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Relatively Moderate, led by strong wind (Very High). 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.
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 | $34,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)