Home Insurance in Orlando, Oklahoma
Homes in Orlando carry a median value of $65,000 - 74% lower than the Logan County median.
The typical home in Orlando was built around 1959. About 51% of homes were built before 1960, about 35 points above Logan County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Orlando is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Orlando have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orlando has an owner-occupancy rate of 91% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
In Orlando, 80% 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.
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 | $65,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)