Home Insurance in Guthrie, Oklahoma
With a median home value of $186,600, Guthrie is 24% lower than the Logan County median.
The typical home in Guthrie was built around 1970. About 40% of homes were built before 1960, about 23 points above Logan County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Guthrie is 83% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
42% of owner-occupied homes in Guthrie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Guthrie has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Guthrie, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Guthrie? FEMA's National Risk Index points to tornado (Relatively High) in Logan County and 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.
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 | $186,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)