Home Insurance in Cashion, Oklahoma
The median home value in Cashion is $195,700, 9% lower than the Kingfisher County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cashion was built around 1997. About 8% of homes were built before 1960, about 17 points below Kingfisher County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cashion is 84% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 58% of owner-occupied homes in Cashion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cashion has an owner-occupancy rate of 78% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Cashion - 58% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kingfisher County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Kingfisher County had 47 active NFIP flood policies as of September 2026. See the full Kingfisher 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 | $195,700 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kingfisher County | 47 |
| 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)