Home Insurance in Crescent, Oklahoma
With a median home value of $154,700, Crescent is 37% lower than the Logan County median.
The typical home in Crescent was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 22 points above Logan County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crescent is 82% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 61% of owner-occupied homes in Crescent have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Crescent are owner-occupied.
In Crescent, 60% of homes are primarily heated with natural gas.
FEMA rates Logan County's overall risk as Relatively Low, led by tornado (Relatively High). Logan County had 63 active NFIP flood policies as of September 2026. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $154,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)