Home Insurance in Waurika, Oklahoma
With a median home value of $64,800, Waurika is 21% lower than the Jefferson County median.
The typical home in Waurika was built around 1965. About 42% of homes were built before 1960, about 5 points above Jefferson County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Waurika is 87% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
33% of owner-occupied homes in Waurika carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Waurika are owner-occupied.
48% of homes in Waurika are primarily heated with natural gas.
What's the biggest home insurance risk near Waurika? 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 | $64,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)