Home Insurance in Hastings, Oklahoma
Homes in Hastings carry a median value of $70,000 - 15% lower than the Jefferson County median.
The typical home in Hastings was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 23 points below Jefferson County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hastings is 86% single-family homes and 14% mobile or manufactured homes.
22% of owner-occupied homes in Hastings carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hastings has an owner-occupancy rate of 84% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
In Hastings, 58% of homes are primarily heated with natural gas.
Jefferson County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Jefferson 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 | $70,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jefferson County | 4 |
| 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)