Home Insurance in Clearview, Oklahoma
The median home value in Clearview is $60,000, 48% lower than the Okfuskee County median.
The typical home in Clearview was built around 1981. About 10% of homes were built before 1960, about 12 points below Okfuskee County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Clearview, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clearview, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clearview has an owner-occupancy rate of 88% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Clearview - 81% - 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.
FEMA rates Okfuskee County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.
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 | $60,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)