Home Insurance in Red Rock, Oklahoma
With a median home value of $56,900, Red Rock is 61% lower than the Noble County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Red Rock was built around 1974. About 28% of homes were built before 1960, about 4 points below Noble County's 33%.
The housing stock in Red Rock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Red Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Red Rock are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Red Rock, 49% of homes are primarily heated with electricity.
FEMA rates Noble County's overall risk as Relatively Low, led by hail (Relatively Moderate). Noble County had 5 active NFIP flood policies as of September 2026. See the full Noble 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 | $56,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Noble County | 5 |
| 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)