Home Insurance in Cedar Valley, Oklahoma
With a median home value of $348,800, Cedar Valley is 41% higher than the Logan County median.
The typical home in Cedar Valley was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 15 points below Logan County's 16%.
Housing in Cedar Valley breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Cedar Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Cedar Valley are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cedar Valley, 60% of homes are primarily heated with natural gas.
Logan County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Logan 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 | $348,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Logan County | 63 |
| 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)