HomeInsuranceQts

Home Insurance in Washington, Oklahoma

Homes in Washington carry a median value of $241,700 - 6% lower than the McClain County median.

The typical home in Washington was built around 2010. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 1 point above McClain County's 9%.

The housing stock in Washington is 87% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Washington, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Washington are owner-occupied.

53% of homes in Washington are primarily heated with electricity.

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$241,700
Median year built2010
Owner-occupied share56%
Share of owner-occupied homes with a mortgage79%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in McClain County74
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Washington, OK

Nearby towns

Sources

Data last updated: 2026-09-29