Home Insurance in Terlton, Oklahoma
Homes in Terlton carry a median value of $81,700 - 38% lower than the Pawnee County median.
The typical home in Terlton was built around 1986. About 25% of homes were built before 1960, about 2 points above Pawnee County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Terlton, the housing stock is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Terlton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Terlton has an owner-occupancy rate of 92% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Terlton - 88% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Terlton? FEMA's National Risk Index points to wildfire (Relatively Low) in Pawnee County and 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.
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 | $81,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)