Home Insurance in Talihina, Oklahoma
Homes in Talihina carry a median value of $72,000 - 47% lower than the Le Flore County median.
The typical home in Talihina was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 16 points above Le Flore County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Talihina is 73% single-family homes, 18% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Talihina, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Talihina are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Talihina are primarily heated with electricity.
FEMA rates Le Flore County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). Le Flore County had 85 active NFIP flood policies as of September 2026. See the full Le Flore 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 | $72,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Le Flore County | 85 |
| 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)