Home Insurance in Terral, Oklahoma
Homes in Terral carry a median value of $57,700 - 30% lower than the Jefferson County median.
The typical home in Terral was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 20 points above Jefferson County's 36%.
In Terral, the housing stock is 84% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Terral have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Terral has an owner-occupancy rate of 61% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Terral - 51% - are primarily heated with electricity.
Jefferson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $57,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)