Home Insurance in Sugden, Oklahoma
Homes in Sugden carry a median value of $80,000 - close to the Jefferson County median.
The typical home in Sugden was built around 1974. About 11% of homes were built before 1960, about 25 points below Jefferson County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sugden, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Sugden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sugden has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Sugden - 94% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Sugden? FEMA's National Risk Index points to wildfire (Relatively Low) in Jefferson County and Jefferson County had 4 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $80,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)