Home Insurance in Headrick, Oklahoma
Homes in Headrick carry a median value of $52,000 - 67% lower than the Jackson County median.
The typical home in Headrick was built around 1971. About 49% of homes were built before 1960, about 20 points above Jackson County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Headrick is 83% single-family homes and 17% mobile or manufactured homes.
In Headrick, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Headrick has an owner-occupancy rate of 76% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Headrick, 45% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $52,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)