Home Insurance in Hochatown, Oklahoma
Homes in Hochatown carry a median value of $330,600 - 129% higher than the McCurtain County median.
The typical home in Hochatown was built around 2012. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 10 points below McCurtain County's 11%.
The housing stock in Hochatown is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Hochatown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hochatown has an owner-occupancy rate of 94% and a vacancy rate of 83%; unoccupied homes typically need a different coverage form.
91% of homes in Hochatown are primarily heated with electricity.
What's the biggest home insurance risk near Hochatown? FEMA's National Risk Index points to strong wind (Relatively High) in McCurtain County and McCurtain County had 37 active NFIP flood policies as of September 2026. See the full McCurtain 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 | $330,600 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in McCurtain County | 37 |
| 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)