Home Insurance in Edmond, Oklahoma
With a median home value of $351,400, Edmond is 58% higher than the Oklahoma County median.
The typical home in Edmond was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 20 points below Oklahoma County's 24%.
The housing stock in Edmond is 82% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
67% of owner-occupied homes in Edmond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Edmond are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Edmond are primarily heated with natural gas.
What's the biggest home insurance risk near Edmond? 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 | $351,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)