Home Insurance in Glencoe, Oklahoma
Homes in Glencoe carry a median value of $90,600 - 59% lower than the Payne County median.
The typical home in Glencoe was built around 1972. About 29% of homes were built before 1960, about 11 points above Payne County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Glencoe is 62% single-family homes, 3% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Glencoe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Glencoe are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Glencoe, 53% of homes are primarily heated with natural gas.
Payne County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Payne County had 124 active NFIP flood policies as of September 2026. See the full Payne County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Payne County | 124 |
| 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)