Home Insurance in Paden, Oklahoma
The median home value in Paden is $85,900, 26% lower than the Okfuskee County median.
The typical home in Paden was built around 1980. About 22% of homes were built before 1960, in line with Okfuskee County (21%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Paden, the housing stock is 82% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Paden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Paden are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Paden are primarily heated with natural gas.
Okfuskee County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $85,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)