Home Insurance in Agra, Oklahoma
The median home value in Agra is $77,000, 54% lower than the Lincoln 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 Agra was built around 1976. About 31% of homes were built before 1960, about 14 points above Lincoln County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Agra is 75% single-family homes and 25% mobile or manufactured homes.
In Agra, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Agra has an owner-occupancy rate of 62% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Agra - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Agra? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Lincoln County and Lincoln County had 15 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $77,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 15 |
| 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)