Home Insurance in Tishomingo, Oklahoma
Homes in Tishomingo carry a median value of $110,600 - 5% lower than the Johnston County median.
The typical home in Tishomingo was built around 1974. About 31% of homes were built before 1960, about 13 points above Johnston County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tishomingo is 71% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tishomingo, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tishomingo has an owner-occupancy rate of 49% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Tishomingo - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Tishomingo? FEMA's National Risk Index points to wildfire (Relatively Low) in Johnston County and Johnston County had 3 active NFIP flood policies as of September 2026. See the full Johnston 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 | $110,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Johnston County | 3 |
| 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)