Home Insurance in Castle, Oklahoma
The median home value in Castle is $209,900, 81% higher than the Okfuskee County median.
The typical home in Castle was built around 1990. About 19% of homes were built before 1960, about 3 points below Okfuskee County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Castle is 91% single-family homes and 7% mobile or manufactured homes.
6% of owner-occupied homes in Castle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Castle are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Castle, 57% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Castle? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Okfuskee County and Okfuskee County had 1 active NFIP flood policy as of September 2026. See the full Okfuskee 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 | $209,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Okfuskee County | 1 |
| 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)