Home Insurance in Cleveland, Oklahoma
The median home value in Cleveland is $117,800, 10% lower than the Pawnee County median.
The typical home in Cleveland was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 12 points above Pawnee County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cleveland is 76% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Cleveland, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cleveland has an owner-occupancy rate of 65% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Cleveland, 53% of homes are primarily heated with natural gas.
FEMA rates Pawnee County's overall risk as Relatively Low, led by wildfire (Relatively Low). Pawnee County had 5 active NFIP flood policies as of September 2026. See the full Pawnee 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 | $117,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Pawnee County | 5 |
| 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)