Home Insurance in Harrah, Oklahoma
The median home value in Harrah is $225,400, close to the Oklahoma County median.
The typical home in Harrah was built around 1989. About 9% of homes were built before 1960, about 15 points below Oklahoma County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Harrah, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Harrah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Harrah are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Harrah are primarily heated with natural gas.
Oklahoma County had 1,482 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). 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 | $225,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)