Home Insurance in Arcadia, Oklahoma
With a median home value of $187,500, Arcadia is 16% lower than the Oklahoma County median.
The typical home in Arcadia was built around 1960. About 50% of homes were built before 1960, about 26 points above Oklahoma County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Arcadia is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arcadia, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Arcadia are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Arcadia are primarily heated with natural gas.
What's the biggest home insurance risk near Arcadia? FEMA's National Risk Index points to hail (Very High) in Oklahoma County and Oklahoma County had 1,482 active NFIP flood policies as of September 2026. See the full Oklahoma County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $187,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Oklahoma County | 1,482 |
| 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)