Home Insurance in Thackerville, Oklahoma
Homes in Thackerville carry a median value of $151,500 - 11% lower than the Love County median.
The typical home in Thackerville was built around 1992. About 7% of homes were built before 1960, about 9 points below Love County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Thackerville, the housing stock is 50% single-family homes and 37% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Thackerville 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 66% of occupied homes in Thackerville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Thackerville, 80% of homes are primarily heated with electricity.
FEMA rates Love County's overall risk as Very Low, led by wildfire (Relatively Low). Love County had 3 active NFIP flood policies as of September 2026. See the full Love 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 | $151,500 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Love County | 3 |
| 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)