Home Insurance in Perkins, Oklahoma
With a median home value of $172,200, Perkins is 23% lower than the Payne County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Perkins was built around 1983. About 9% of homes were built before 1960, about 10 points below Payne County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Perkins is 78% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Perkins, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Perkins are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Perkins - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Perkins? FEMA's National Risk Index points to hail (Relatively High) in Payne County and 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 | $172,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)