Home Insurance in Checotah, Oklahoma
With a median home value of $124,900, Checotah is 15% lower than the McIntosh County median.
The typical home in Checotah was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 18 points above McIntosh County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Checotah is 79% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 54% of owner-occupied homes in Checotah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Checotah has an owner-occupancy rate of 58% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Checotah, 63% of homes are primarily heated with natural gas.
McIntosh County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. McIntosh County had 33 active NFIP flood policies as of September 2026. See the full McIntosh 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 | $124,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in McIntosh County | 33 |
| 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)