Home Insurance in Cooperton, Oklahoma
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Cooperton was built in 1939 or earlier. About 56% of homes were built before 1960, about 8 points above Kiowa County's 48%.
Housing in Cooperton breaks down to 100% single-family homes.
Almost no owner-occupied homes in Cooperton carry a mortgage.
Cooperton has an owner-occupancy rate of 86% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
57% of homes in Cooperton are primarily heated with electricity.
What's the biggest home insurance risk near Cooperton? FEMA's National Risk Index points to hail (Relatively Moderate) in Kiowa County and Kiowa County had 13 active NFIP flood policies as of September 2026. See the full Kiowa 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kiowa County | 13 |
| 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)