Home Insurance in Byars, Oklahoma
The median home value in Byars is $90,600, 65% lower than the McClain County median.
The typical home in Byars was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 7 points above McClain County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Byars is 75% single-family homes and 20% mobile or manufactured homes.
27% of owner-occupied homes in Byars carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Byars has an owner-occupancy rate of 98% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Byars, 45% of homes are primarily heated with natural gas.
FEMA rates McClain County's overall risk as Relatively Low, led by tornado (Relatively Moderate). McClain County had 74 active NFIP flood policies as of September 2026. See the full McClain 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 | $90,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in McClain County | 74 |
| 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)